Tuma Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
Marriottsville MD
Advisors at this office
1
Most active in
Maryland
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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:
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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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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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