Somnio Financial Group, LLC

Somnio Financial Group, LLC is a fee‑only registered investment adviser that serves individual and high‑net‑worth clients with discretionary investment management, financial planning, and consulting. The firm primarily implements portfolios using exchange‑traded funds but also advises on mutual funds, individual equity and debt securities, options, variable annuities, employer‑sponsored retirement plans, and 529 plans.

Somnio tailors recommendations through written investment policy statements, typically meets with clients two to four times per year, and reviews managed accounts at least twice annually while exercising discretionary trading authority for managed portfolios. The firm integrates tax and planning considerations into its advice — one owner is an Enrolled Agent who devotes approximately 6% of his professional time to tax‑related work — and offers financial planning bundled with management for larger engagements or as standalone flat‑fee consulting.

Noteworthy operational features include a two‑advisor ownership managing about $168.3 million for roughly 103 clients, a practice requirement that client accounts be custodied at Charles Schwab & Co., and the receipt of soft‑dollar research benefits, which the firm discloses and addresses in its policies. Somnio does not vote client proxies (clients receive proxy materials directly) and states that it actively monitors and may maintain distressed investments as part of its planning and consulting services.