Silver Maple Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Silver Maple Financial, LLC is a small independent advisory firm that serves primarily individual clients with financial planning, ongoing investment management, workplace retirement participant support, and 401(k) plan advisory services. The firm manages roughly $19.3 million across about 23 client relationships and provides both one‑time plans and ongoing plan implementation and review.
The firm’s investment approach favors passive, low‑cost exchange‑traded funds, mutual funds, and fixed income with an emphasis on long‑term holdings, annual rebalancing, and quarterly reporting. It operates as a fee‑only fiduciary and structures its advisory relationships around client approvals and regular reviews rather than exercising unrestricted trading discretion.
What distinguishes the firm from many peers is its exclusive use of non‑discretionary asset management—transactions are executed only with prior client authorization and often under limited‑agent arrangements—which is uncommon among independent advisors. The firm also provides a relatively broad set of retirement plan services for a sole practitioner, including 401(k) plan advisory work (IPS development and vendor coordination) and participant‑level account assistance.
Client services
Expertise
Fee options
Financial Plan Advisory Services: fixed flat fee of $1,500 for comprehensive financial plan
$0 - $50,000: 0.50% AUM fee plus 50% discount off base fee $50,000+: 0.50% for the First $1,000,000 of AUM; 0.40% for the Next $4,000,000 of AUM; 0.35% for Additional Amounts Over $5,000,000 of AUM (plus $600 base fee) $0+: Workplace Retirement Plan Participant Advisory Services: $10 + 0.04% AUM per quarter ($40 + 0.16% per year)
Typically $200 per hour (typically $175 per hour for clients in ongoing management contract)
Minimum fee: Annual Base Fee: $600 (may be subject to discount or waiver) Fee-only: Ongoing investment management and financial planning services are fee-only; no sales commissions or performance-based fees.
Main office
Kittery ME
Advisors at this office
1
Most active in
Maine · Massachusetts · New Hampshire
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.
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