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Updated September 28, 2026. Quick answer: Sound Financial Group is registered with the SEC as an investment adviser (CRD #292271, confirmed ACTIVE this session via SEC IAPD). Per its own current fee brochure, a $500,000 account would run $7,450 a year under its published fee schedule. Already a client and thinking about leaving? Budget $50 at Schwab, or $75 at Betterment Securities, depending on your custodian. This review covers what its own fee brochure and current SEC registration confirm today; it does not assess fiduciary status or account minimums.
Sound Financial Group at a glance
| Fact | What Sound Financial Group’s own pages say |
|---|---|
| Legal entity | Sound Financial, LLC |
| Registration | Sound Financial, LLC is registered with the SEC as an investment adviser (CRD #292271, confirmed ACTIVE this session via SEC IAPD). |
| Fee on a $500,000 account | $7,450 a year, per its own current brochure |
| Minimum to open an account | Not assessed in this review; see Item 5 of its Form ADV Part 2A |
| Cost to leave (exit fee) | $50 at Schwab, or $75 at Betterment Securities, depending on your custodian |
What Sound Financial Group’s own fee schedule charges
The registrant is Sound Financial, LLC, which markets itself as Sound Financial Group (SFG) and is based in Lake Stevens, Washington. The priced figure covers the firm’s Schwab-custodied asset management schedule for individual clients.
“$0-$500,000 1.49% 1.49% $500,001-$2,500,000 0.99% 0.99% $2,500,001-$4,000,000 0.75% 0.75% $4,000,001-$7,000,000 0.49% 0.49% $7,000,001 and up 0.30% 0.30% Each fee tier is charged only on the assets in that tier range.”
Each balance is priced marginally: the brochure states that each fee tier is charged only on the assets in that tier range, so the first $500,000 is charged at 1.49% and the next dollars at 0.99%. The brochure discloses no minimum annual dollar fee for this schedule, so no floor applies. The firm states its fees are negotiable, so these are published schedule rates, not a guaranteed charge.
What the same brochure says about fees charged on top of this schedule: “This fee is separate from and in addition to SFG’s advisory fee.” The table below is the firm’s own advisory fee schedule and does not include any such additional fee.
| Account balance | Annual fee |
|---|---|
| $250,000 | $3,725 |
| $500,000 | $7,450 |
| $1,000,000 | $12,400 |
| $2,000,000 | $22,300 |
These figures come directly from Sound Financial Group’s own current fee brochure, cited in Sources below.
Registration
Sound Financial, LLC is registered with the SEC as an investment adviser (CRD #292271, confirmed ACTIVE this session via SEC IAPD).
This is a registration confirmation only, not a fiduciary-standard verdict (a registered investment adviser can still be a dual registrant with a broker-dealer, which changes which standard applies in each capacity).
What it costs to leave
Sound Financial, LLC’s Form ADV Part 2A states “Thereafter, clients may terminate the advisory agreement generally upon written notice, pursuant to contract terms.” Sound Financial, LLC names four possible custodians in its brochure, with no single default. Charles Schwab & Co., Inc.’s own published fee schedule states “Full transfer (out) of assets” Betterment’s own published fee schedule states “Betterment Securities charges a flat fee of $75 for each investing account transferred to another company.” Fidelity Brokerage Services LLC and AssetMark Trust Company disclose no comparable line item (an honest gap).
The general mechanics of switching financial advisors and a dated termination letter apply regardless of firm.
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Source: WiserAdvisor’s service descriptionSources
- Form ADV Part 2A (March 6, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015448
- SEC IAPD firm summary (CRD #292271, checked September 28, 2026): https://adviserinfo.sec.gov/firm/summary/292271
Methodology. This page was built September 28, 2026, drawing directly on Sound Financial Group’s own current fee brochure, cited in Sources below, and a fresh SEC IAPD registration check run the same day. Where exit-fee facts are cited, they trace to the named custodian’s own published schedule. Any fact we could not independently confirm is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading Sound Financial Group’s own Form ADV Part 2A and Form CRS. We have not used Sound Financial Group as a client. Sound Financial Group did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.
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