Sobel Financial LLC

The firm provides investment advisory and financial planning services to individuals, trusts, and small businesses, offering one‑time and ongoing planning engagements and delivering written financial plans within about 90 days. It provides direct asset management and may recommend or arrange for third‑party managers (for example, Matson Money) and digital advisory services via the Betterment for Advisors platform.

The firm's investment approach is grounded in Modern Portfolio Theory and emphasizes diversified exposure through mutual funds and ETFs, asset‑class purity, low turnover, and periodic rebalancing, with risk measured against standard deviation, inflation and liquidity considerations. In practice the firm operates primarily on a non‑discretionary basis and states it obtains client approval before executing transactions while supervising any independent managers to whom it delegates management on platforms like Betterment.

Noteworthy distinctions include the firm’s reported assets under management being almost entirely non‑discretionary ($16,572,399 non‑discretionary and $0 discretionary as of December 31, 2025), and the principal’s active insurance practice (licensed as an insurance agent and spending roughly 20% of his time on that activity), which the brochure identifies as a potential conflict. The brochure also discloses earlier regulatory stipulations with Colorado (2012) and Florida (2013) insurance authorities related to insurance applications; the firm says it addresses such conflicts through disclosures, procedures, and its fiduciary obligations.