Saubel Financial Group

Saubel Financial Group is a state-registered independent advisory firm that serves individuals, high-net-worth individuals, small businesses, trusts, and estates, offering discretionary portfolio management and comprehensive financial planning. Financial planning engagements are delivered on an hourly or fixed-fee basis and cover topics such as retirement strategy, college planning, life insurance review, tax reduction strategies, and estate preservation.

The firm manages client portfolios using a mix of mutual funds, equities, fixed income, ETFs (including precious metals), Treasury inflation-protected securities, and non-U.S. securities, applying cyclical, fundamental, modern portfolio theory, and quantitative analysis. Accounts are managed on a discretionary basis, reviewed at least annually by the firm’s sole advisor, and held at a single custodian (Altruist), with an elective fully paid securities lending option available to clients.

The brochure discloses that the principal also earns external compensation as a licensed insurance agent and may implement or recommend insurance and annuity products as part of planning, a potential conflict of interest addressed through disclosure and fiduciary procedures. The firm’s combination of insurance sales activity, explicit coverage of multiple financial planning topics, and use of an elective securities lending program are features that are less common among similarly sized independent, solo-advisor firms.