Sansone CPA & Financial

Sansone CPA & Financial is a fee‑only registered adviser that provides ongoing investment management, written financial planning, and retirement plan management for individuals, high‑net‑worth clients, and employer plan sponsors. Financial planning engagements typically cover areas such as business planning, tax and estate considerations, cash flow and retirement projections, while investment services include discretionary portfolio management across stocks, bonds, mutual funds, ETFs and cash equivalents.

The firm builds client‑specific investment policies and uses a combination of fundamental analysis and Modern Portfolio Theory to construct diversified portfolios, employing both passive and active funds and model portfolios. It may engage outside managers and subscribes to model marketplaces offered by custodial platforms, managing most client accounts on a discretionary basis while allowing reasonable client‑imposed restrictions.

Distinctive aspects include operating exclusively as a wrap fee program sponsor — managing only wrap accounts rather than non‑wrap engagements — and an affiliation with an in‑house accounting and tax practice the adviser owns, which may lead to cross‑referrals and occupies a significant portion of the adviser’s time. The firm is newly registered and reported no assets under management as of its most recent filing; it requires clients to custody at its recommended platforms (Schwab and/or Altruist), implements trades on an individual basis rather than block trading, and does not vote client proxies.