SJL Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
4
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
4
Very LowAverage account size
$0
About
SJL Financial, LLC is a fee-only, single-advisor firm that provides project-based and ongoing comprehensive financial planning to individuals, including both retail and high-net-worth clients. Services described in the brochure include retirement planning, cash flow and debt analysis, tax and estate planning, risk management reviews, and investment analysis provided as part of financial plans.
The firm does not act as an investment manager or take custody of client assets; instead it delivers written plans and recommendations and typically favors passive portfolio construction when investment analysis is performed. When analyzing investments for planning purposes, the adviser draws on a mix of fundamental, technical, cyclical and charting methods, and uses fixed or hourly planning fees rather than percentage-of-assets charges.
Noteworthy features for a firm of this size include a regular program of educational seminars and speaking engagements (sometimes provided pro-bono) and a very small client roster with no reported assets under management, reflecting a planning-only focus. The sole adviser maintains an active-duty role in the Delaware Air National Guard that consumes a significant portion of his weekly hours and holds professional credentials (CFP®, ChFC®, MQFP®), which are emphasized in the brochure.
Client services
Financial planning
Educational seminars or workshops
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Occupation focus
Military & Veterans
Fee options
Project-Based Financial Planning fixed fee ranging from $2,500 to $3,500; Ongoing Comprehensive Financial Planning upfront fee of $2,500 or $3,500 plus $500 quarterly fee.
$250 per hour, negotiable
Ongoing Comprehensive Financial Planning quarterly fee of $500 per quarter paid in arrears
Fee-only: Project-Based Financial Planning Fixed Fee: $2,500 to $3,500 depending on complexity; Ongoing Comprehensive Financial Planning: $2,500 upfront (single client) or $3,500 (couples/partners) plus $500 per quarter ongoing fee; Hourly financial planning fee: $250 per hour, negotiable.
Main office location
SJL Financial LLC
Wilmington DE, United States
Number of offices
1
Most active in
SJL Financial LLC has reported serving >5 clients in these states in the last 12 months.
Delaware · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
LinkedIn
Facebook
Instagram
Website
(302) 827-7526
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