SFM operates as a registered investment advisor offering portfolio management and comprehensive financial planning to individuals, families, trusts, and business entities. Founded in 1998 and based in Bedford, New Hampshire, the firm manages hundreds of millions of dollars in client assets. SFM builds customized investment portfolios primarily using low-cost mutual funds and exchange-traded funds, focusing on long-term growth and diversification. In addition to managing investments, SFM provides guidance on cash flow management, retirement planning, tax strategies, estate planning, education funding, and insurance reviews. The firm sells no products and earns no commissions, charging fees based either on a percentage of the portfolio value or hourly rates for specialized projects. Client assets are held securely by third-party custodians, with Charles Schwab serving as the primary custodian.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $500K | 1.38% |
| $500K - $750K | 1.13% |
| $750K - $1.0M | 1.00% |
| $1.0M - $1.3M | 0.95% |
| $1.3M - $1.5M | 0.88% |
| $1.5M - $2.0M | 0.85% |
| $2.0M - $3.0M | 0.82% |
| $3.0M - $4.0M | 0.80% |
| $4.0M - $5.0M | 0.78% |
| $5.0M - $6.0M | 0.75% |
| $6.0M - $7.0M | 0.72% |
| $7.0M - $9.0M | 0.70% |
| $9.0M - $10.0M | 0.68% |
| $10.0M - $25.0M | 0.65% |
| $25.0M - $50.0M | 0.60% |
| $50M+ | 0.55% |
Fees are flat across the entire portfolio value and are negotiable. SFM may waive minimum fees based on specific criteria.