SJHL Financial Group

SJHL Financial Group provides investment advisory and financial planning services to individuals (including high-net-worth clients), retirement plans, trusts, estates, charitable organizations, and small businesses. The firm manages roughly $138.7 million for about 344 client relationships and offers discretionary investment management, limited-scope project-based financial planning, and retirement plan consulting and participant education.

Investment management is delivered through customized strategic asset allocations implemented primarily with low-cost mutual funds and ETFs and is sub-advised by Buckingham Strategic Partners, LLC; the firm generally employs fundamental analysis and a long-term orientation and typically exercises discretionary trading authority. Financial planning recommendations may be provided as part of investment management at no additional charge, while standalone project-based planning engagements are offered with defined scopes and end upon delivery of recommendations.

Two features that distinguish SJHL from many peers are its multi-office footprint — the firm operates six offices — and its affiliation with a separately owned accounting firm, Swindoll, Janzen, Hawk & Loyd, LLC. Several advisory personnel hold CPA and Personal Financial Specialist credentials and spend significant time in the affiliated accounting practice; SJHL discloses the resulting referral and service conflicts (including arrangements around sub-advisory services, fee collection via custodial debit, and standing letters of authorization) and states clients are not required to use affiliated services.