Huguenot Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Huguenot Financial Planning serves individuals, families, trusts, small businesses, pension and charitable clients by providing fee-only financial planning and periodic investment consultations. The firm’s services include comprehensive planning (cash flow, retirement, education, risk and estate planning), limited-scope real‑time planning sessions, and periodic portfolio monitoring.
The adviser follows a broadly diversified, long-term approach that draws on Modern Portfolio Theory and Core + Satellite concepts, favoring low‑cost indexed vehicles where practical and tailoring allocations to clients’ objectives and risk tolerance. Clients typically receive written investment policy guidance and periodic (usually quarterly) reviews, while trade execution and custody are maintained at the client’s chosen service providers and the firm generally does not exercise discretionary trading authority.
Compared with many small independents, the firm does not rely on percentage‑of‑assets billing and instead offers hourly, fixed‑project, and retainer/subscription‑style engagements, and it does not provide ongoing asset management services. The brochure also notes the principal’s external writing for industry publications and the firm’s regular educational workshops and real‑time planning sessions, which the adviser presents as recurring elements of its client service model.
Client services
Expertise
Fee options
Fixed fees for limited or full-scope financial planning, typically $750 to $5,000 annually; Fixed fee retainer typically $1,200 to $2,000 per year
$250-$300 per hour depending on perceived complexity, with a one hour minimum and billing in six-minute increments thereafter
Retainer fees paid annual or quarterly in advance, typically $1,200 to $2,000 per year
Minimum fee: Fixed fees typically ranging from $750 to $5,000 annually; Fixed fee retainer typically ranges from $1,200 to $2,000 per year Fee-only: Hourly fees for financial planning and investment advice services at $250-$300 per hour with a one hour minimum; Fixed fees ranging from $750 to $5,000 annually; Retainer fees from $1,200 to $2,000 per year
Main office
New Paltz NY
Advisors at this office
1
Most active in
New York
Also doing business as
David Adam Sterman · Huguenot Financial Planning
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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