S&F Investment Advisors

S&F Investment Advisors provides discretionary portfolio management to individual and high‑net‑worth clients, as well as pension plans and business entities, through a mutual fund model portfolio program, separately managed accounts, and an income strategies program. The firm manages roughly $106 million across its client base and offers four named model portfolios (Conservative, Moderate, Aggressive and Super Aggressive) along with tailored separately managed accounts and income-focused mandates.

The firm documents client objectives, time horizons and risk tolerances to develop individualized investment policies, conducts ongoing reviews and rebalances accounts as needed, and uses block trading and trade aggregation to execute orders. Its investment implementation includes fundamental and technical analysis and notably employs event‑driven strategies that rely heavily on listed options (including uncovered positions), margin and short‑sale techniques alongside traditional bond and dividend‑paying stock allocations.

Distinctive elements in the brochure include acceptance of performance‑based fees for separately managed accounts—a 20% annual performance fee subject to a 10% annualized threshold and qualification under SEC Rule 205‑3, with detailed performance calculation and side‑by‑side management disclosures. The firm also discloses that its principal provides accounting services that may be recommended to clients and notes the use of partnership and pooled investment interests (e.g., real estate syndicates), each of which creates potential conflicts of interest that differentiate the firm from many peers.