Schaefer Financial Management is an independent registered investment advisor based in Centennial, Colorado, founded in 1989 by Jeffrey A. Schaefer. The firm specializes in comprehensive financial planning and ongoing investment management tailored to each client's unique goals and circumstances. Schaefer Financial Management takes a holistic approach, helping clients navigate cash flow management, debt analysis, retirement planning, employee benefits, risk management, tax planning, business planning, estate plan reviews, and charitable giving strategies. When managing investment portfolios, Schaefer Financial Management emphasizes modern portfolio theory, focusing on long-term time horizons, appropriate asset allocation, and tax-efficient strategies primarily utilizing no-load mutual funds and exchange-traded funds. The firm operates strictly on a fee-only basis, does not accept commissions for selling financial products, and maintains no custody or discretionary control over client funds, requiring clients to grant trade execution approval while holding assets at a qualified custodian like Charles Schwab & Co., Inc.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.60% |
| $2.0M - $5.0M | 0.40% |
| $5.0M - $10.0M | 0.20% |
| $10M+ | 0.20% |
Fees for accounts over $10,000,000 are negotiable. The firm also offers an annual review investment management model charged at a flat 0.5% with a $1,250 minimum annual fee.