SENIOR Financial and Realty Assoc.

SENIOR Financial and Tax Associates advises individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, managing approximately $40.7 million in discretionary assets for a compact client roster supported by a two‑advisor team. The firm operates as a fee‑only adviser and offers comprehensive financial planning, ongoing investment management, and limited‑scope hourly planning without selling commission‑based products.

Investment programs are implemented primarily through no‑load and low‑load mutual funds and exchange‑traded funds using a strategic asset‑allocation approach (conservative, moderate, aggressive) and are managed on a discretionary basis with at least quarterly reviews and written net worth and cash‑flow analyses. Clients receive specific implementation recommendations, may impose investment restrictions, and are billed predominantly on a percentage‑of‑AUM basis with quarterly billing and optional hourly engagements for limited work.

Distinctive aspects include the firm’s role as a wrap‑fee program sponsor, a relatively uncommon arrangement among similar supported firms, alongside a client mix that does not emphasize high‑net‑worth households despite a stated $250,000 account minimum and a $3,300 annual minimum fee. The practice is small and closely supervised, publishes financial‑planning books, and discloses a reliance on a primary custodian relationship that provides operational support and a modest annual software credit to the firm.