Adelmann Financial, Inc.

Adelmann Financial, Inc. is an investment advisor firm established in 1991 by Russell B. Adelmann and Sarah W. Adelmann. The firm specializes in providing investment supervisory services tailored to individual needs, focusing on continuous portfolio management and financial planning services. Adelmann Financial acts as a fiduciary, ensuring the best interests of clients are prioritized. The firm primarily recommends exchange-traded index funds, no-load, and load-waived mutual funds, offering advice on actively managed and index mutual funds, with limited guidance on individual stocks. For investment supervisory services, fees are charged quarterly based on a percentage of the market value of assets under management. The fee schedule ranges from 0.50% to 1.5% annually, depending on the asset value. The firm managed over $92 million as of December 31, 2024, with a mix of discretionary and non-discretionary accounts. Adelmann Financial does not sponsor a wrap fee program. The firm's investment strategy is based on Modern Portfolio Theory, emphasizing asset allocation and diversification to optimize risk-return profiles. Adelmann Financial focuses on managing investor behavior to mitigate risks and achieve long-term financial goals. Clients have the option to grant investment discretion to the firm or approve each transaction individually. The firm does not engage in directed brokerage and recommends using Schwab Advisor Services for execution. Adelmann Financial does not compensate for client referrals and holds client assets with an independent custodian for added security. Russell B. Adelmann, the President and Chief Investment Officer, is a CERTIFIED FINANCIAL PLANNER professional with extensive experience in the financial services industry.