We can do this.
Saubel Financial Group is an independent financial planning firm.
SAUBEL FINANCIAL GROUP is an independent, fee-based Registered Investment Advisory (RIA) firm established in 2024. We are here to empower you with our independent, fiduciary financial planning and wealth management services using modern solutions and technology.
THE LANDSCAPE OF FINANCIAL SERVICES has drastically changed over the past 10 years. You have more access to markets and more low-cost and no-cost trading options than ever before. That being said, many firms and platforms still use the old technology and cost models.
BABY BOOMERS hold half the nation’s wealth, and the average age of a financial advisor is 51 to 55 years old. Just under 40% of those advisors plan to retire in the next 10 years. We are certified and qualified professionals, here to help you now and through the future.
Meet the Team
PROFESSIONAL, PERSONAL, AND ENGAGED. At Saubel Financial Group, we see you as a whole, individual person, not just a portfolio.
President & Owner, Saubel Financial Group
CFP®, ChFC®, CLU®, RICP®, ChSNC®, CAP®, CLTC®
Adam Saubel has been recognized as one of the youngest professionals ever to complete many of his certifications and designations. As a lifetime learner, Adam continues to grow alongside his clients as he offers them the highest level of expertise in complex planning scenarios.
Education
Adam earned a B.S. in business and economics from Elizabethtown College in 2017 and became a Certified Financial Planner (CFP®) in 2019.
CFP® Certification
CFP® professionals meet rigorous education, training and ethical standards. The certification is recognized as the highest standard in personal financial planning. Less than 25% of practicing financial advisors in the industry claim this distinction. Adam is just one of 6.2% of CFP® professionals under the age of 30.
Focus & Certification for Long-Term Care
Adam also holds his Certification For Long-Term Care (CLTC®). He completed the certification in honor of his grandmother, Pat, who battled Parkinson’s and Dementia at the end of her life and passed away in 2019. Her situation is one of the primary reasons Adam chose financial planning as a career. It is also the reason long term care is a prominent discussion between Adam and his clients.
Additional Certifications
Adam has completed multiple designations through the American College of Financial Services including these:
- Chartered Financial Consultant® (ChFC®)
- Chartered Life Underwriter® (CLU®)
- Retirement Income Certified Professional® (RICP®)
- Chartered Special Needs Consultant® (ChSNC®)
- Chartered Advisor in Philanthropy® (CAP®)
Adam was born and raised in the York community. After college, he returned there to live, work, play and serve. Service to others, especially those in his community, is an integral part of Adam’s life. He serves these organizations:
- Children’s Aid Society, Vice Chair
- Margaret E. Moul Home, Assistant Treasurer
- York County Estate Planning Council, Board Member
- Wellspan York Hospital Auxiliary, Board Member
- Rotary Club of York PA, Member
- Leadership York, Board Member
- Junior Achievement of South Central PA, Volunteer
- Elizabethtown College Alumni Council, Member
Future Leaders of York
In addition to his role as a board member of Leadership York, Adam works with the organization’s program Future Leaders of York of which his is a graduate. The program is for high school sophomores and juniors from over 20 York County high schools. Through the program, students learn to become lifelong, responsible, active participants in their communities while they develop leadership skills and lasting relationships with community leaders and fellow participants.
Junior Achievement REAL Life
Helping young people with financial literacy is one of Adam’s passions. He volunteers with Junior Achievement of South Central PA’s REAL Life Program. The program provides day-long forums at local high schools and gives students hands-on experience making financial decisions and preparing for their careers.
Close to Home
2023 was a big year for Adam. He married his wife Corey and together, they rescued their dog Bodie. At home with Corey and Bodie, Adam loves to cook, play board games, and watch sports. When Adam isn’t at home, you might find him at a Baltimore Orioles game, a concert, volunteering with one of the many organizations he supports, or hanging out with family at the family farm.
Travel
Adam loves to travel. Road trips are his favorite method of travel. He’s completed two cross-country trips, one for 14 days and the other for 35 days. Visiting national parks, exploring new cities, and reconnecting with friends are all in his travel repertoire.
Running
Running is one of Adam’s passions. He completed a half marathon in October 2021, the York Marathon in May 2019, and the Steamtown Marathon in Scranton in October 2019 with a PR of 3:20:46. Adam has plans to train and qualify for the Boston Marathon.
Fee & Service Structure
Saubel Financial Group offers holistic financial planning and an array of services and models to fit your needs.
The Architect or the Builder? Comprehensive financial planning can include investment planning, insurance planning, tax planning, retirement planning, education planning, debt/credit planning, and anything else related to finances. All things considered, our process is comparative to building a new house. First, you need to meet with the architect to draw up the blueprints. The same applies to your finances: you need to meet with a professional who will hear your goals and develop your personal financial plan. When you have the blueprints for your home, you’ll next hire a builder to manage your home build. Again, the same concept applies to your finances: you must implement the recommended plan and action steps provided by your professional. At SFG, we can be the architect or the builder, or we can do all of it for you, whatever best fits your needs.
SFG’s Classic Model includes full comprehensive planning along with plan implementation and portfolio management. We charge an Assets Under Management (AUM) fee, a percentage based on the value of your portfolio.
| Total Assets Under Management | Maximum Annual Fee |
|---|---|
| $0 - $250,000 | 1.50% |
| $250,001 - $750,000 | 1.25% |
| $750,001 - $1,250,000 | 1.00% |
| $1,250,001 - $3,000,000 | 0.75% |
| $3,000,001 - AND UP | 0.50% |
SFG will not be compensated on the basis of a share of capital gains upon or capital appreciation of the funds or any portion of the funds of the Account. There is no account minimum.
SFG’s fee-based model includes comprehensive financial planning. In this model, SFG acts as the architect in our house-building comparison. We create the plan and you, or another financial professional, implements it.
If you have a portfolio but want a better sense of direction, or a plan in place that outlines your goals and how to reach them, this is a good option for you. We offer fee-based financial planning services on a fixed, flat fee schedule or hourly and can provide a comprehensive plan and review of your complete financial situation.
Fixed Fees: We recommend this model to clients seeking an entire comprehensive financial plan review.
The negotiable fixed fee for creating client financial plans is up to $10,000, paid via check or wire transfer.
These fees are charged in arrears upon completion. If this Agreement is terminated prior to completion of the financial planning services, then Client will be responsible for paying the prorated fee for work completed but unpaid (if any) at the time termination becomes effective.
Hourly Fees: We recommend this model to clients seeking one-off consultations or specific scenario advice.
The negotiable hourly fee for financial planning services is up to $450, paid via check or wire transfer.
These fees are charged in arrears upon completion. If this Agreement is terminated prior to completion of the financial planning services, then Client will be responsible for paying the prorated fee for work completed but unpaid (if any) at the time termination becomes effective.
Partners & Custodian Information
At SFG, we invest in technology and infrastructure to give our clients an experience that is second to none.
SFG values modern technology and software that empowers our clients and provide an exceptional user experience. At the same time, those systems enable us to prepare and shift as the financial landscape continues to change.
Altruist: Custodian
Altruist is a preferred modern custodian built for independent financial firms. It safely holds our clients’ assets. Altruist combines a self-clearing brokerage with digital software for account opening, trading, performance reporting, and billing, all under one roof.
RightCapital: Financial Planning
RightCapital is an intuitive, precise, and dynamic financial planning platform. It helps our clients understand how the pieces of their financial plan are connected, and it enables them to access and adapt their plans on their own.
Nitrogen: Investment Research & Portfolio Analytics
Nitrogen helps us create a common language with our clients, analyze their risk tolerance via the Risk Number assessment, and analyze investment proposals and portfolios. It also helps us periodically check in with our clients to get up-to-date market sentiment and understand how our clients feel about their portfolios at any given time.
GradFin: Student Loan Experts
SFG partners with GradFin to offer guidance on your student loan options. GradFin provides free one-on-one access to student loan consultants that can help you understand all your options for managing student loan debt. GradFin helps you navigate all federal repayment and refinancing options to help maximize savings on your student loans. These services include their flagship PSLF program where GradFin has helped their PSLF members get over $120 million in total forgiveness.1 In addition, GradFin can also help with general student loan refinancing and repayment options to help optimize your student loan repayment strategy.
1 This is the total dollar value of loans forgiven for GradFin customers as of 4/29/2024. This dollar value is based on the customer reported forgiveness amount and can be substantiated by the Department of Education’s Forgiveness letters.
IMPORTANT INFORMATION: Please note that if you refinance qualifying federal student loans, you may no longer be eligible for certain federal benefits or programs and waive your right to future benefits or programs offered on those loans. Examples of benefits or programs you may not receive include, but are not limited to, Public Service Loan Forgiveness, Income-Driven Repayment plans, forbearance, or loan forgiveness. Please carefully consider your options when refinancing federal student loans and consult Federal Student Aid for the most current information.
Trust & Will: Estate planning
While SFG does have relationships with local, qualified estate planning attorneys, we also value giving clients access to multiple options to meet their specific needs. Trust & Will provides an online platform where our clients can create, edit, store, and share their estate plans. The platform makes it easy for clients and SFG to track and monitor our clients estate planning progress so we can make sure they meet their goals.
COMPLY / RIA in a Box: Compliance & Regulatory Procedures
SFG partners with the RIA in a Box® Platform, a team of compliance experts and an online software platform, to better manage and automate regulatory responsibilities.