S & A Financial Strategies & Services, LLC
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About
S & A Financial Strategies & Services LLC is a small, independent, fee-only registered investment adviser that provides life-goals financial planning, ongoing life-goals tracking and investment management, and limited general consulting to individuals and small businesses. The firm manages approximately $16.2 million across 39 client accounts and operates with a two-advisor structure.
The firm develops personalized Life Goals Plans and recommends portfolios primarily using low-expense, no‑load mutual funds and exchange-traded funds, with client accounts custodied at Altruist. Accounts are monitored weekly by the firm’s owner and any proposed portfolio changes are discussed with clients and require written authorization, reflecting a largely non-discretionary implementation model.
Notably, the firm reports all assets under management as non-discretionary and does not serve high‑net‑worth individuals, which is uncommon among peers; it emphasizes client approval for trades rather than discretionary trading. The practice is owner-run, maintains a single institutional custodian relationship, recommends regular quarterly reviews, and may waive its stated asset minimum in select cases while also offering standalone hourly consulting.
Client services
Expertise
Fee options
$0 - $500,000: 1.2% $500,001 - $1,000,000: 1.0% $1,000,001 - $2,000,000: 0.75% $2,000,001+: 0.5%
$350 per hour for Life Goals Planning and General Consulting
Account minimum: $400,000 Minimum fee: Minimum financial planning fee of $1,500 for Life Goals Planning Fee-only: Firm is fee-only, no commissions or other compensation from anyone
Main office
1101 North Kings Highway Suite 204
Cherry Hill NJ 08034
Advisors at this office
2
Most active in
New Jersey · Pennsylvania
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
Advisors at this firm
Steven T
CFP®, ChFC®, Series 66
Cherry Hill, NJ
S & A Financial Strategies & Services, LLC
Steven Tambone is a CFP® and ChFC® with 23 years of industry experience. He has been the sole advisor at S & A Financial Strategies & Services, LLC since 2012. S & A Financial Strategies & Services, LLC is a fee-only registered investment adviser serving primarily individual clients and a smaller number of small businesses and corporations. The firm focuses on life-goals financial planning and ongoing tracking combined with investment management, typically using low-expense, no-load mutual funds and ETFs, with accounts monitored weekly and managed in a primarily non-discretionary manner.
Marion T
Series 65
Cherry Hill, NJ
S & A Financial Strategies & Services, LLC
Marion Tambone is a financial advisor at S & A Financial Strategies & Services, LLC with seven years of industry experience. She holds a Series 65 designation and has worked at Conner Strong & Buckelew from 2016 to 2025 in various roles, most recently serving as an auditor focusing on medical plan audits. S & A Financial Strategies & Services LLC is a fee-only registered investment adviser that serves individuals and small businesses with life-goals financial planning, ongoing tracking, and investment management. The firm uses primarily low-expense mutual funds and ETFs, operates a non-discretionary investment approach, and manages approximately $16.2 million across 39 client accounts.
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