Sound Financial, LLC

Sound Financial, LLC is a Limited Liability Corporation established in March 2015 and registered as an investment adviser in April 2018. The firm's principal owners are Galt’s Refuge, LLC, and Cord an, LLC. Sound Financial, LLC offers various advisory services, including management via recommendation of other advisers, financial planning, speaking engagement services, and services limited to specific types of investments. The firm acts as a fiduciary when providing investment advice, ensuring to act in the best interests of clients. Clients have the option to impose restrictions based on their individualized investment needs and targets. Sound Financial, LLC implements investments through wrap fee programs sponsored by Betterment or AssetMark, where clients pay one stated fee covering management fees, transaction costs, and administrative fees. The firm has assets under management totaling $149,662,438 for discretionary amounts and $20,172,975 for non-discretionary amounts as of December 31, 2024. The fee schedule for management via recommendation of other advisers varies based on total assets, with fees being negotiable. Clients can receive financial planning services at different fee levels based on the complexity of their financial life. The firm's investment strategies include long-term trading designed to capture market rates of return and risk. Sound Financial, LLC does not accept performance-based fees or fees based on capital gains. The firm primarily serves individuals, high-net-worth individuals, and corporations/business entities, with no account minimum required. Clients have discretion over voting client securities, and the firm does not accept voting authority. The firm's representatives have educational backgrounds and business experiences relevant to their roles within the firm. Sound Financial, LLC maintains a code of ethics, ensuring compliance with professional standards and ethical requirements. Supervision is conducted by the Chief Compliance Officer to ensure adherence to regulations and firm policies.