George J. Appel
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides fee-only financial planning and investment advice to individuals, families, small businesses, trusts and estates, offering ongoing planning engagements, investment reviews, and occasional assistance with employer retirement plans. Its clientele is primarily composed of non‑high‑net‑worth individuals rather than affluent households, with services ranging from single‑topic hourly retainers to bundled ongoing planning.
Investment services are delivered largely on a non‑discretionary basis — the firm performs periodic account reviews, research and written recommendations while clients retain final trading authority — an arrangement that is uncommon among peers. The advisor uses third‑party research and portfolio tools (Morningstar, Riskalyze, Kwanti and others), does not accept commissions, and has discontinued offering third‑party discretionary sub‑advisor programs.
Noteworthy distinctions include a fee model that emphasizes flat fees, retainers and fixed‑dollar account billing instead of typical percentage‑of‑assets pricing, and a practice that generally does not take custody or discretionary trading authority. The firm combines comprehensive planning (estate, tax, retirement distribution strategies) with ancillary services such as seasonal tax return preparation and trustee duties, and operates under a CFP® fiduciary standard.
Client services
Expertise
Fee options
Initial financial planning engagement flat fee ranges from $1,200 to $7,500; ongoing planning services flat fees range from $750 to $4,800 annually.
Less than $50,000 - $50,000: Less than $100,000 - $100,000: More than $100,000 - $250,000: More than $250,000 - $500,000: More than $500,000 - $1,000,000: More than $1,000,000 - $1,500,000: More than $1,500,000 - $2,500,000: More than $2,500,000+:
Hourly rate of $250 per hour for financial planning and investment services; minimum fees of $350 per engagement for financial planning and $500 per engagement for investment services.
Account minimum: No explicit minimum stated for becoming a client; fees apply starting from accounts below $50,000 for investment advisory services. Minimum fee: Investment advisory minimum annual fees start at $350 for accounts under $50,000. Fee-only: Flat fees for financial planning engagements ranging from $1,200 to $7,500 for initial planning and $750 to $4,800 annually for ongoing planning; hourly rates of $250 per hour with minimum fees of $350 to $500 per engagement depending on service.
Main office
Harveys Lake PA
Advisors at this office
1
Most active in
Pennsylvania
Also doing business as
Appel, George John · George J. Appel
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
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