SJL Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
SJL Financial, LLC is a fee-only, single-advisor firm that provides project-based and ongoing comprehensive financial planning to individuals, including both retail and high-net-worth clients. Services described in the brochure include retirement planning, cash flow and debt analysis, tax and estate planning, risk management reviews, and investment analysis provided as part of financial plans.
The firm does not act as an investment manager or take custody of client assets; instead it delivers written plans and recommendations and typically favors passive portfolio construction when investment analysis is performed. When analyzing investments for planning purposes, the adviser draws on a mix of fundamental, technical, cyclical and charting methods, and uses fixed or hourly planning fees rather than percentage-of-assets charges.
Noteworthy features for a firm of this size include a regular program of educational seminars and speaking engagements (sometimes provided pro-bono) and a very small client roster with no reported assets under management, reflecting a planning-only focus. The sole adviser maintains an active-duty role in the Delaware Air National Guard that consumes a significant portion of his weekly hours and holds professional credentials (CFP®, ChFC®, MQFP®), which are emphasized in the brochure.
Client services
Expertise
Occupation focus
Fee options
Project-Based Financial Planning fixed fee ranging from $2,500 to $3,500; Ongoing Comprehensive Financial Planning upfront fee of $2,500 or $3,500 plus $500 quarterly fee.
$250 per hour, negotiable
Ongoing Comprehensive Financial Planning quarterly fee of $500 per quarter paid in arrears
Fee-only: Project-Based Financial Planning Fixed Fee: $2,500 to $3,500 depending on complexity; Ongoing Comprehensive Financial Planning: $2,500 upfront (single client) or $3,500 (couples/partners) plus $500 per quarter ongoing fee; Hourly financial planning fee: $250 per hour, negotiable.
Main office
Wilmington DE
Advisors at this office
1
Most active in
Delaware · Texas
Also doing business as
Sjl Financial LLC · Sjl 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
Quick links
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