Firm Info
Firm Size
Services Offered
- Financial Planning
- Portfolio Management for Individuals & Small Businesses
- Selection of Others Advisors
- Educational Seminars & Workshops
Types of Clients
- Individuals (Not High Net Worth)
-
Individuals High Net Worth
*>=750k in Investable Assets or >=1.5m of Estimated Total Net Worth
- Charitable Organizations
Available Fee Structures
- Percentage of Assets Under Management (AUM)
- Hourly
Sja Financial Advisory, LLC Overview
SJA Financial Advisory, LLC is an award-winning financial advisory firm headquartered in Wauwatosa, WI. Since its establishment in 2013, SJA Financial Advisory has been providing sound investment advice to individuals and small businesses across the country. As a fee-based investment advisory firm, SJA Financial Advisory operates on a pay-for-what-you-get basis, meaning that clients only pay for the advice they receive. As an investment advice-only firm, SJA Financial Advisory doesn't sell any products or collect any commission. Instead, the firm provides customized financial planning services to help clients achieve their financial goals. The firm's financial planning services include retirement planning, investment planning, estate planning, tax planning, and risk management. Additionally, SJA Financial Advisory provides portfolio management services to manage investments on behalf of its clients. This service is designed to help clients keep their investments diversified and aligned with their goals while maximizing returns. SJA Financial Advisory also offers the selection of other financial advisors, so clients can choose an advisor that suits them best. To help educate its clients, SJA Financial Advisory provides a range of educational seminars and workshops on various financial planning topics, such as funding college education, retirement planning, and tax planning. These seminars and workshops are designed to help clients make informed financial decisions and stay updated on current industry trends. Overall, SJA Financial Advisory is a trusted advisor that works closely with clients to develop comprehensive financial plans that meet their unique needs.
rates fixed fees SJA Financial Advisory, LLC serves a diverse range of clients, including individuals, high net worth individuals, and charitable organizations. The firm's team of experienced financial advisors offer customized solutions to meet each client's unique needs and goals. Through a comprehensive analysis of each client's financial situation, SJA Financial Advisory, LLC provides expert guidance on portfolio management, retirement planning, tax planning, and more. SJA Financial Advisory, LLC offers a variety of fee structures, depending on the service provided. For portfolio management services, the firm charges a percentage of assets under management (AUM), allowing clients to pay for the investment management services they receive. Hourly rates are available for clients seeking personalized financial advice, such as retirement planning or estate planning. Fixed fees are also available for comprehensive financial planning, offering clients a predictable cost for a broad range of services tailored to their needs. SJA Financial Advisory, LLC's flexible fee structures ensure that each client receives the services they need at a fair price.
Typical Clients, Fee Structures & Investment Minimum
Unfortunately, the Part 2 Brochure for SJA FINANCIAL ADVISORY, LLC does not mention anything about an investment minimum.
How This Office Can Help Wauwatosa, WI Residents
SJA Financial Advisory, LLC is a professional financial advisory firm that offers a wide range of services to clients in Wauwatosa, WI. The team at SJA specializes in financial planning, investment management, retirement planning, estate planning, and tax planning. Their goal is to help clients achieve their financial objectives and guide them in making the best financial decisions for themselves and their families. Clients in Wauwatosa, WI may be facing various financial challenges such as managing debt, planning for retirement, saving for college, and navigating tax laws. The financial advisors at SJA work closely with each client to understand their unique financial situation and create a personalized plan to help them achieve their goals. They also provide ongoing support and guidance to ensure that their clients stay on track and make any necessary adjustments as their financial situations change. With SJA's expertise and commitment to their clients' success, individuals and families in Wauwatosa, WI can feel confident about their financial future.
Services Offered by Sja Financial Advisory, LLC
Core Advisor Services
Financial Planning
Financial planning services encompass the process of devising strategies for your future financial well-being, including preparing for events such as retirement, funding your child's college education, or planning for the transfer of assets.
Portfolio Management for Individuals & Small Businesses
Portfolio management entails the careful selection and strategic management of investment combinations tailored to meet the needs of individuals and small businesses.
Market Timing Services
Market timing services involve the endeavor to generate short-term profits from investments by capitalizing on opportunities to buy at low prices and sell at high prices.
Other Services
Selection of Other Advisors
The firm provides support in selecting and engaging other advisors who possess specialized expertise to complement your financial needs.
Publication of Periodicals or Newsletters
The firm engages in the dissemination of diverse financial educational materials through the publication of periodicals.
Educational Seminars & Workshops
The firm organizes and conducts seminars or workshops aimed at enlightening investors on various financial concepts.
Fee Structures
Financial advisory fees usually are based on the services provided. Fee types charged by Sja Financial Advisory, LLC most likely consist of the following fee types: asset-based, hourly or fixed. Wrap fee programs, or the practice of bundling services for a single fee, are not offered by the firm.
Available
Percentage of Assets Under Management (AUM)
This fee structure charges a percentage of the assets under management by the firm. Fee structures are often tiered based on the amount of assets managed, with higher AUM often charged a lower rate.
Between 0.50% and 2.00% of assets under management (annually), often lower for a robo advisor. Fees are typically charged quarterly by the firm and will show on your investment statement. View typical advisor costs here.
~96% of registered firms offer this fee structure.
If you have $1 million managed by a firm at a 1% management fee, you would be charged $10,000/year to manage your assets (or $2,500 per quarter). This would be automatically deducted from your investment portfolio.
Hourly
Similar to an attorney, a financial consultant might charge fees based on hourly rates. This fee structure can be advantageous when seeking specific or ad hoc advice.
Charges generally span from $150 to $400 per hour, depending on the extent of the services required.
~33% of registered firms offer this fee structure.
If you needed hourly consulting to sell a business or transfer your estate to your children but did not want your assets managed by a firm, you could consult a firm at an hourly rate to answer any questions you may have.
Unavailable
Subscription (Newsletter or Periodical)
Fixed Fees (Other than subscription)
Fixed fees are a one-time, lump-sum payment rendered for a specific service, such as creating a financial plan without ongoing management or implementation. This option is beneficial if you solely require guidance for a particular objective rather than a long-term consultancy or asset management.
Fixed fees for creating a financial plan often range from $1,000 to $3,000.
~49% of registered firms offer this fee structure.
If you did not want a firm to manage your assets but needed to create a retirement plan, life transition plan such as divorce or loss of a spouse, estate transition plan, business financial plan, or any other financial planning, you could consult with an RIA firm to help you with the creation of that plan.
Commissions
Occasionally, advisors are compensated through commissions by selling certain financial products, such as mutual funds or life insurance policies, or as a broker-dealer by facilitating the buying and selling of securities. Advisors who receive commissions may be incentivized to make specific suggestions to clients in order to secure a commission. Advisors who operate on a fee-only basis do not earn commissions, whereas fee-based advisors may do so.
Often 3% - 6% of the value of the security.
Only ~3% of registered firms say they offer this fee structure, but other advisors may receive “soft dollars”. Many mutual funds charge 12b-1 fees to cover the promoting and selling of the fund’s shares. While your advisor does not charge these fees, they may receive a kickback for recommending the investment.
An advisor selling their client on a life insurance policy and receiving a commission on the sale of that policy, or recommending a specific investment and receiving a kickback for that recommendation.
Performance-based Fees
Advisors typically obtain performance-based fees if a portfolio surpasses a predefined benchmark. This fee is determined through various methods, but is most commonly assessed as a percentage of investment gains. Performance-based fees may incentivize advisors to undertake riskier decisions in pursuit of generating higher returns.
“Two and Twenty” is common among hedge funds with a 2% management fee and a 20% incentive fee above the “hurdle rate,” or performance threshold the fund is compared against.
32% of registered firms offer this fee structure.
A hedge fund earns a 15% return with a 20% performance fee in above the performance of the S&P 500, which grew 7% that same year.
20% of fund growth in excess of S&P 500’s 7% growth for that year = 15% hedge fund growth - 7% S&P 500 growth = 8% difference x 20% = 2% performance fee (in addition to the management fee).
Other
Firms occasionally offer unconventional fee structures when charging clients. For more detailed information about a firm’s specific fee structures, please refer to their Form ADV and Part 2 Brochure.
Types of Clients
*The Securities & Exchange Commission defines someone as “high net worth” if they have $750,000 or more in investable assets or $1.5M of estimated total net worth.
This Office Location
Other Office Locations
This firm has no other locations.
State Registrations
Sja Financial Advisory, LLC is registered to service clients in the following states:
- Florida
- Illinois
- Texas
- Wisconsin
Disciplinary History
Sja Financial Advisory, LLC does not have any disclosures. Please visit it's Form ADV for more details.