Sandos Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Sandos Financial serves individual clients—including high-net-worth households—and, on occasion, small businesses and non-profits, providing portfolio and asset management, 401(k) allocation guidance, and periodic newsletters. The firm also offers ongoing advisory services for fee-based (no-commission) annuity contracts and provides 401(k) allocation guidance at no separate charge.
The firm’s investment process combines technical, quantitative, cyclical and fundamental analysis and uses both tactical and strategic asset-allocation approaches across stocks, mutual funds, ETFs, ETNs and bond funds; clients may impose account-level restrictions and the adviser may manage accounts on a discretionary basis. Accounts are custodied at Schwab, the firm monitors accounts regularly, and the firm discloses that artificial intelligence tools are used only for clerical tasks and not for making investment decisions.
Sandos Financial is notable among peers for its insurance-related activities: the firm’s principals are licensed insurance producers, operate an affiliated insurance agency, and the firm provides advisory services on fee-based annuity contracts held at issuing insurance companies. The firm’s president pays for and provides clients access to the LegacyShield document platform (owned by SBLI) at no charge and may receive referral fees from SBLI if clients use certain estate-planning portals; the combination of an affiliated insurance agency, annuity advisory services, and a client-facing document platform is less common for firms of this size.
Client services
Expertise
Fee options
$0 - $250,000: 1.50% annually $250,000 - $500,000: 1.40% annually $500,000 - $750,000: 1.30% annually $750,000 - $1,000,000: 1.20% annually $1,000,000 - $2,500,000: 1.00% annually $2,500,000 - $5,000,000: 0.90% annually $5,000,000+: 0.80% annually
Investment Advisor Representatives may receive insurance commissions separately as licensed insurance agents; commissions are separate and not received by the firm
Newsletter service offered free (subscription fee: Free)
Account minimum: $50,000 Fee-only: Fee-only investment advisory firm; compensated solely by client fees; no commissions on portfolio management services
Main office
South Jordan UT
Advisors at this office
2
Most active in
Colorado · Louisiana · Utah
Also doing business as
401 Kmanager.Com · 401 Kreportcard.Com · Sandos Financial · Sandos Financial Inc. · Sandos Financial, Inc. · Sandos, Jason M
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:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Jason S
Series 63, Series 65, Series 66
South Jordan, UT
Sandos Financial
Jason Sandos is the principal of Sandos Financial with 26 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Sandos Financial since 2017 and Capital Financial Services from 2009 to 2017. In addition to his advisory role, he is president and CEO of Sandos Life Inc., an independent insurance agency focused on fixed life insurance and annuity sales, and serves as a referring agent for an online attorney-assisted estate planning service. Sandos Financial serves individual clients, including high-net-worth households, as well as small businesses and non-profits, providing portfolio management, 401(k) guidance, and advisory services for fee-based annuities. The firm employs a combination of technical, quantitative, cyclical, and fundamental analysis with both tactical and strategic asset allocation, and is notable for integrating insurance-related services alongside its investment advisory offerings.
Michael S
Series 63, Series 65
South Jordan, UT
Sandos Financial
Michael Sandos is a financial advisor at Sandos Financial with over 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Allegis Investment Advisors and Allegis Investment Services from 2016 to 2019. Outside of advising, Sandos is the chairman and founder of a martial arts association focused on historical education and seminars, and he is also an author of self-help books. Sandos Financial serves individual clients, including high-net-worth households, as well as small businesses and non-profits, providing portfolio management, 401(k) allocation guidance, and advisory services on fee-based annuity contracts. The firm combines technical, quantitative, cyclical, and fundamental analysis using both tactical and strategic asset-allocation strategies and manages accounts on a discretionary basis.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)