Schuylkill Financial, LLC

Schuylkill Financial, LLC serves individual and high‑net‑worth clients, providing ongoing asset management and financial planning and consulting to roughly 126 clients while managing approximately $123.6 million in discretionary assets. The firm typically charges percentage‑of‑assets advisory fees for portfolio management and also offers financial planning on an hourly basis.

The firm generally manages client accounts on a discretionary basis, building portfolios using a mix of fundamental, technical, charting analysis and modern portfolio theory and employing vehicles such as mutual funds, exchange‑traded funds, options, and margin where appropriate. Accounts are reviewed at least annually (and more frequently as market conditions dictate), and the firm directs trading and custody to a single designated broker‑dealer and custodian for execution and reporting.

A noteworthy characteristic is that the firm’s investment adviser representatives are also licensed insurance agents and receive commissions on insurance sales—an arrangement the brochure discloses as a potential conflict of interest and says is mitigated through disclosures and the firm’s fiduciary policies; advisors indicate they spend about 20% of their time on insurance activities. The firm does not participate in wrap fee programs and requires use of its chosen broker‑dealer for trade execution, which may differ from peers that permit client‑directed brokerage.