Sefton Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
Sacramento CA
Advisors at this office
1
Most active in
California
Also doing business as
Sefton Financial Planning · Sefton, David Scott
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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