SA Financial Solutions, LLC
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About
SA Financial Solutions primarily serves individual and high‑net‑worth clients, offering discretionary asset management, financial planning, and consultation services as well as assets‑under‑advisement reviews and referrals to third‑party managers. The firm reports about $438,074 in discretionary assets under management and operates with two advisors and a very small client base.
Investment programs are tailored to each client’s goals, time horizon, and risk tolerance and employ a mix of fundamental, technical, charting and cyclical analysis with tactical or strategic asset allocation and periodic rebalancing. The firm will also recommend, place clients with, and monitor third‑party money managers when appropriate and provides standalone full financial plans or topic‑specific consultations.
A distinctive feature is that both principals maintain active insurance agent practices and receive commissions from insurance sales, and the firm receives referral fees and other benefits from a recommended third‑party manager; these relationships and related conflicts are disclosed in the brochure and addressed through firm procedures. The firm does not vote client proxies and has no account minimums, operating as a small, support‑level advisory practice.
Client services
Expertise
Fee options
Full Financial Plan fee up to $2,500; Assets Under Advisement $200 per advisement/review
$0 - $2,500,000: 2.00% annually $2,500,001 - $5,000,000: 1.50% annually $5,000,001+: Negotiable
Investment advisor representatives receive commissions from insurance products sold as licensed insurance agents
Consultation Services at $200 per hour
Fee-only: Full Financial Plan up to $2,500 flat fee; Consultation Services $200 per hour hourly fee; Assets Under Advisement $200 per advisement/review (50% upfront, balance upon delivery)
Main office
14100 San Pedro Avenue, Suite 418
San Antonio TX 78232
Advisors at this office
2
Most active in
Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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
Matthew H
Series 65
San Antonio, TX
SA Financial Solutions, LLC
Matthew Hartman is a Series 65-licensed financial advisor with 13 years of industry experience. He has been with SA Financial Solutions, LLC since 2012 and also operates MGH Financial, where he is involved in fixed insurance sales. SA Financial Solutions serves individual and high-net-worth clients, managing approximately $18.6 million across about 43 accounts. The firm offers discretionary asset management, financial planning, consulting, and assets-under-advisement reviews, utilizing a combination of fundamental, technical, charting, and cyclical analysis with both strategic and tactical asset allocation.
Gerhardt H
ChFC®, Series 63
San Antonio, TX
SA Financial Solutions, LLC
Gerhardt Hartman is a ChFC® credentialed financial advisor with 26 years of industry experience. He has been with SA Financial Solutions, LLC since 2011 and has operated as a sole proprietor under the same business name since 2009. Hartman also maintains an active insurance agent role, conducting fixed insurance sales alongside his advisory work. SA Financial Solutions serves individual and high-net-worth clients, providing discretionary asset management, financial planning, and referrals to third-party managers. The firm tailors investment programs to client goals using a combination of fundamental, technical, and cyclical analyses, and operates with a small client base and two advisors.
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