Second Opinion Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Second Opinion Financial is a fee-only registered investment adviser that provides investment management, one‑time and ongoing financial planning, educational seminars and speaking engagements, and a combined subscription service that integrates planning and investment management through the Elements® platform. The firm’s Form ADV reports it had $0 in discretionary and non‑discretionary assets under management as of December 31, 2025.
The firm’s investment approach emphasizes Modern Portfolio Theory, asset allocation, and the use of mutual funds and ETFs with a generally passive, long‑term holding orientation, and it may manage accounts on a discretionary basis when authorized. Instead of charging a percentage of assets under management, SOF employs fixed and subscription‑style fees and offers both project‑based and ongoing planning engagements, allowing clients to select the scope and cadence of services.
Noteworthy features relative to many peers include the formal offering of educational seminars and speaking engagements—presented as purely educational events with fee waivers possible—and a subscription model that consolidates personal and business finances on an ongoing basis. The firm is small and led by a principal with a clinical background and separate publishing activity, and its trading policy favors implementing trades on an individual account basis rather than through aggregated block orders.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Project-based financial planning fees from $250 to $1,000; educational seminars fees range from $0 to $20,000 per event or $0 to $1,500 per participant.
Second Opinion Financial subscription services include an initial onboarding fee typically $0 to $500 and ongoing monthly fees typically $0 to $250.
Minimum fee: Investment management services annual fee typically ranges from $3,000 to $12,000, paid monthly in installments of $250 to $1,000. Fee-only: Financial planning services and subscription services are fee-only. Financial planning fees vary: broad-based planning $1,500 to $10,000; existing plan review $1,000 to $10,000; project-based $250 to $1,000; ongoing planning $250 to $2,000 monthly; subscription services include $0 to $500 onboarding fee and $0 to $250 monthly fee.
Main office
Southlake TX
Advisors at this office
1
Most active in
Texas
Also doing business as
Second Opinion Financial · Second Opinion Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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
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