Springbrook Financial, LLC

The firm advises individuals, charities, and business entities and manages roughly $27 million across about 47 client relationships through a single advisor. Services include stand‑alone financial planning and consulting as well as wealth management that combines planning with non‑discretionary investment advice, including allocations to mutual funds, ETFs, independent managers and advice on held‑away products such as annuities and variable insurance contracts.

Its investment process emphasizes strategic asset allocation, diversification, and risk management, with wealth management clients receiving a written Investment Policy Statement, ongoing monitoring, and disciplined rebalancing. Notably, the firm operates primarily on a non‑discretionary basis—seeking client consent before implementing recommendations—while maintaining limited discretion for certain administrative tasks (for example, retirement account rebalancing, cash minimums, and systematic withdrawals).

The firm is a small, solo practice led by a CFP® professional who is the sole owner, reflecting a compact client base and recent firm formation. The brochure discloses that the firm recommends a single custodian and receives institutional services from that custodian (an economic benefit and potential conflict of interest), and it is deemed to have custody solely because it is authorized to directly debit client accounts for advisory fees.