The Financial T
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$1,001,000
Total clients
64
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
64
Average account size
$15,641
About
The Financial T works primarily with individual clients and also provides services to employer plan sponsors; its brochure reports approximately $1,001,000 in non-discretionary assets under management across roughly 64 clients. Services include individually tailored portfolio management, comprehensive financial consulting (covering cash flow, retirement, insurance and estate matters), and assistance with establishing and monitoring participant-directed retirement plans.
The firm’s investment approach emphasizes passive portfolio construction using Modern Portfolio Theory and fundamental analysis, typically employing index mutual funds and ETFs to achieve asset-class exposures. TFT reports no discretionary AUM and operates mainly on a non‑discretionary basis, implementing client-specific investment policy statements and conducting regular (typically quarterly) account and plan reviews.
Noteworthy differences from many peers include the firm’s combination of primarily non‑discretionary asset management and the provision of employee benefit plan consulting, both of which are statistically less common among independent advisers. The brochure also discloses that TFT does not aggregate client trades or vote client proxies, maintains an active public social media presence, and participates in an institutional custody program while the founder follows the CFP Board’s Code of Ethics despite not holding the CFP designation.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Retirement income strategy
Fee options
Initial meeting $500; subsequent meetings $250 per meeting, fees negotiated and capped with no billing more than $500 over 6 months in advance
Account minimum: $100.00 Minimum fee: $100 investment account set-up fee
Most active in
The Financial T has reported serving >5 clients in these states in the last 12 months.
Virginia
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:
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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.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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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.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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