SENIOR Financial and Realty Assoc.

SENIOR Financial and Tax Associates is a fee-only advisory firm that provides personalized financial planning and ongoing investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The ADV lists services including cash-flow and tax planning, retirement and estate planning, investment management, and delivery of written net worth and cash flow evaluations; the firm states it does not accept commissions or sell financial products.

The firm’s investment approach emphasizes strategic asset allocation across conservative, moderate, and aggressive balanced portfolios, primarily using no-load and low-load mutual funds and exchange-traded funds with occasional use of individual stocks and bonds. Accounts are managed almost entirely on a discretionary basis, reviewed at least quarterly (more often as conditions dictate), and fees are billed quarterly in arrears and may be deducted directly from client custodial accounts held at Charles Schwab or, for certain retirement plans, T. Rowe Price.

Compared with many peers, SENIOR Financial and Tax Associates is a small, two-advisor, fee-only practice overseeing about $34.7 million for roughly 87 clients, which produces average account sizes that are modest relative to high‑net‑worth thresholds; the ADV also discloses a $250,000 account guideline and a $3,300 minimum annual fee. The brochure further notes operational details that stand out for a firm of this size: nearly all assets are managed discretionarily, the firm documents direct fee debit arrangements with custodians, and it receives a modest software maintenance credit from Schwab that offsets firm expenses.