Christman Financial Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Christman Financial Advisors LLC is a small, independent, fee-only registered investment adviser that provides financial planning and investment management primarily to individual clients and families. The firm delivers services that include retirement and estate planning, tax planning, cash-flow analysis, insurance review, education funding, and investment supervisory services, and managed about $35.8 million for roughly 84 clients as of 12/31/2025.
The firm uses a core, strategic asset-allocation approach built around passively managed index funds and ETFs and provides discretionary portfolio management with the option for clients to impose investment restrictions. Relationship management is documented in a client relationship system or planning software, and services range from ongoing wealth management and tax-loss harvesting to limited-scope hourly or project engagements.
Distinctive features include its strictly fee-only model (no commissions or finder’s fees), multiple billing options (AUM-based and fixed-fee comprehensive arrangements, plus hourly work), and a subscription-style Financial Fundamentals program aimed at clients earlier in their wealth-building journey that can include optional investment management under the firm’s Schwab master account. The firm also participates in the Dave Ramsey SmartVestor Pro marketing program, does not accept referral fees from other professionals, and does not vote client proxies.
Client services
Expertise
Demographic focus
Fee options
Comprehensive Wealth Management fixed fees starting at $4,800 annually for up to $500,000 AUM, scaling up with set fees to $26,400 for $4.5 million AUM and negotiable above; Financial Fundamentals onboarding fees of $300 single/$500 couple
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $5,000,000: 0.50% $5,000,001+: 0.25%
$150 per hour for financial planning
Minimum fee: Minimum fee of $1,800 for singles (plus $300 onboarding); $3,000 for couples (plus $500 onboarding) under Financial Fundamentals Package Fee-only: Financial planning hourly rate of $150; Financial Fundamentals Package with onboarding fees ($300 single, $500 couple) and monthly fees ($150 single, $250 couple)
Main office
Macungie PA
Advisors at this office
1
Most active in
Pennsylvania · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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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