Ulmer Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,118,562
Clients
29
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
29
HighAverage account size
$107,537
About
Ulmer Financial is a small, Virginia‑registered investment adviser that provides portfolio management and a range of financial planning services to individuals, high‑net‑worth clients, charitable organizations, and businesses. Offerings include tailored investment management, project‑based planning, ongoing monthly planning engagements, and tax return preparation for individuals and businesses.
The firm generally employs a passive, asset‑class approach using index mutual funds and ETFs informed by Modern Portfolio Theory, while retaining the ability to pursue tactical shifts and incorporate fundamental and cyclical analysis when appropriate. Accounts are generally managed on a discretionary basis with written plans that reflect clients’ goals, risk tolerance, and tax considerations.
Notable for a firm of its size, the principal holds both CFP and Enrolled Agent credentials and the firm provides in‑house tax return preparation and potential IRS representation alongside planning and investment services. The adviser reports roughly $3.1 million in assets across about 29 client relationships, has no stated account minimum, does not participate in wrap programs, and custodizes client assets primarily through Charles Schwab.
Client services
Financial planning
Portfolio management
Tax preparation services
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General retirement planning
Fee options
$1,200 to $6,000 fixed fee based on complexity for project-based financial planning
$0 - $500,000: 0.95% $500,001 - $1,000,000: 0.80% $1,000,001 - $3,000,000: 0.70% $3,000,001+: 0.50%
$100 to $500 per month ongoing comprehensive financial planning fee
Main office location
Ulmer Financial
Charlottesville VA, United States
Number of offices
1
Most active in
Ulmer Financial 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
Advisors at this firm
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