Gassman Financial LLC

The firm provides wealth management to individuals, high‑net‑worth clients, trusts, and estates, delivering discretionary investment management alongside financial planning and consulting. Fees are charged as a percentage of assets under management and the firm does not participate in wrap fee programs or impose a minimum account size.

The firm typically pursues a long‑term, low‑turnover approach, building diversified portfolios using ETFs, mutual funds, individual equities and fixed‑income securities after establishing asset allocation targets based on each client’s goals, time horizon and risk tolerance. Investment decisions are informed by both fundamental and technical analysis, and accounts are maintained at third‑party custodians with the advisor authorized to deduct fees (the firm does not otherwise maintain custody).

What is distinctive about this firm is its unusually high client load for a solo advisory practice — it reports managing approximately $112.6 million for about 307 clients under a single advisory professional, a structure that may influence service delivery and contact frequency versus peers. The firm’s sole advisory person also engages in commission‑based insurance sales (disclosed as a potential conflict and estimated at about 10% of their time), participates in an institutional relationship with its custodian that provides software and other benefits, and discloses ownership in a horse‑racing LLC as an atypical outside business activity.