T
Tuma Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$51,393,363
Clients
34
79% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
34
HighAverage account size
$1,511,570
About
Tuma Financial, LLC provides ongoing portfolio management and financial planning services for individuals and high‑net‑worth clients. The firm documents client goals and risk tolerance in an Investment Policy Statement and manages discretionary accounts using mutual funds, fixed income, real estate funds (including REITs), annuities, equities, ETFs (including precious‑metal ETFs), treasury inflation‑protected bonds, non‑U.S. securities and options (including covered and uncovered strategies).
The firm’s investment approach combines fundamental analysis with modern portfolio theory and typically operates under discretionary authority to implement and monitor client portfolios, with quarterly reviews and custodian‑provided reports. Financial planning engagements are generally delivered as a one‑time plan upon completion, while ongoing portfolio management includes regular monitoring and rebalancing aligned with each client’s IPS.
A distinctive feature disclosed in the brochure is that the firm’s principal also practices as an accountant and may offer accounting or tax‑related advice alongside advisory services, a relationship the firm notes could present conflicts of interest. The firm also requires clients to custody assets at Schwab Institutional (with associated access to research and potential soft‑dollar benefits) and does not aggregate block trades for multiple client accounts, operational choices that can influence trade execution and allocation.
Client services
Financial planning
Portfolio management
Expertise
Options & derivatives strategies
Real estate investing
Annuities
Fee options
$0 - $1,000,000: 0.70% $1,000,000 - $2,000,000: 0.60% $2,000,000 - $3,000,000: 0.50% $3,000,000 - and up: 0.40%
$200 per hour for financial planning services
Main office location
Tuma Financial, LLC
Marriottsville MD, United States
Number of offices
1
Most active in
Tuma Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
-
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.
-
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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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
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