# Sound Financial Management, Inc.

> Sound Financial Management, Inc. is an SEC-registered investment advisory firm in Raleigh, NC, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 4, 2026.

- CRD: 122670
- Filed as: SOUND FINANCIAL MANAGEMENT, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Raleigh, NC
- Filing period: October 2026
- Form ADV filing dated: March 4, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/122670
- AdvisorCensus page: https://advisorcensus.com/firm/sound-financial-management-inc-raleigh-nc-122670

## Quick answers

**How is Sound Financial Management, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Sound Financial Management, Inc. reports these compensation arrangements: a percentage of assets under its management.

**Where is Sound Financial Management, Inc. located?**
Sound Financial Management, Inc.'s principal office is in Raleigh, NC, according to its Form ADV.

**Is Sound Financial Management, Inc. registered with the SEC or a state?**
Sound Financial Management, Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 122670.

**How much does Sound Financial Management, Inc. manage?**
Sound Financial Management, Inc. reports $134,079,243 in regulatory assets under management in its Form ADV filing dated March 4, 2026 (100% discretionary).

**How have Sound Financial Management, Inc.'s assets and staff changed since 2025?**
In the Form ADV data for Sound Financial Management, Inc.: Regulatory assets under management: $110,700,000 in the October 2025 data and $134,079,243 in the October 2026 data, up 21%. Total employees: 2 in October 2025 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Sound Financial Management, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (154); high net worth individuals (26).

**Which custodians does Sound Financial Management, Inc. use?**
Sound Financial Management, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Sound Financial Management, Inc. report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/122670

**Does Sound Financial Management, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated March 4, 2026 says: "SFM does not require a minimum to open an account."

**What changed in Sound Financial Management, Inc.'s recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $110,700,000 to $134,079,243 (+21%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated March 4, 2026)

- Account minimum: None

> SFM does not require a minimum to open an account.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $134,079,243
- Discretionary: $134,079,243
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 154 | $49,611,205 |
| High net worth individuals | 26 | $84,468,038 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (1 year)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NC
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $110,700,000 | 2 | April 25, 2025 |
| October 2026 | $134,079,243 | 2 | March 4, 2026 |

Regulatory assets under management: $110,700,000 in the October 2025 data and $134,079,243 in the October 2026 data, up 21%.
Total employees: 2 in October 2025 and 2 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $110,700,000 to $134,079,243 (+21%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Sound Financial Management, Inc. (CRD 122670): Form ADV filing data as of October 2026.