Simaris Financial

Simaris Financial is a state-registered independent investment adviser that primarily serves individual clients through comprehensive financial planning and portfolio management, offering both discretionary and non‑discretionary services. The firm also provides employee benefit plan services to employer plan sponsors and delivers pension consulting and portfolio management for institutional clients, services that are less common among similar independent firms.

The firm’s investment approach is primarily passive, building diversified portfolios with index mutual funds and ETFs and rebalancing as market conditions or client circumstances change; fundamental analysis may be used in select situations. Portfolio management engagements are integrated with ongoing financial planning—clients in portfolio management are required to participate in the firm’s ongoing planning program—and accounts are reviewed on a regular (typically quarterly) basis with fiduciary standards applied to retirement account advice.

Noteworthy features include the firm’s small, solo-advisor structure managing roughly $14.36 million for 17 clients while offering institutional and pension-related advisory services that most peers of this size do not provide. The firm recommends a major custodian for custody and trade execution (Charles Schwab), does not accept custody of client assets except for withdrawal of fees, and its lead advisor maintains CFP certification, reflecting an emphasis on planner-led service alongside investment management.