S
Sefton Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Sefton Financial Planning is a sole‑proprietorship that offers fee‑only financial planning and investment advisory services to individuals and high‑net‑worth clients. Services described in the brochure include retirement and college planning, cash‑flow and debt management, risk management, asset allocation, and assistance with non‑discretionary implementation of recommended portfolios.
The firm gathers client information via a confidential questionnaire and an initial meeting to produce a written financial plan, and employs fundamental analysis and a long‑term, asset‑allocation focused investment approach that emphasizes low‑cost mutual funds, ETFs, and fixed‑income strategies such as bond ladders. Sefton does not take custody or discretionary trading authority; clients retain implementation decisions and receive custodial account statements directly from their chosen custodians.
What is distinctive about the firm relative to many peers is its use of hourly and fixed‑fee retainer arrangements instead of percentage‑of‑assets fees, and its reporting of no assets under management; it also does not accept commissions, performance‑based fees, or third‑party compensation. The firm is a single‑advisor, fee‑only practice that does not participate in wrap programs and routes custody and reporting through client‑selected custodians.
Client services
Financial planning
Ongoing financial planning/advisory services
Ongoing financial planning/advisory services
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General retirement planning
Fee options
Hourly rate of $150 per hour, billed in 6-minute increments
Minimum fee: Fixed fees range from a minimum of $2,500 up to $12,000 annually Fee-only: Hourly rate of $150 per hour; Fixed fees from $2,500 to $12,000 annually
Main office location
Sefton Financial Planning
Sacramento CA, United States
Number of offices
1
Most active in
Sefton Financial Planning has reported serving >5 clients in these states in the last 12 months.
California
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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.
-
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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