Who We Are
S.F. Ehrlich Associates is an independent, fee-only financial planning and investment management firm in Cranford, New Jersey.
We help clients make thoughtful financial decisions, understand the tradeoffs in front of them, and feel more confident about the path they’re on.
Our approach starts with financial planning. Before we talk about investments, we want to understand what you’re trying to accomplish, what decisions lie ahead, what matters most to you, and where you may be feeling uncertain.
That may mean helping you think through retirement, Social Security, tax-related planning considerations, Medicare and health insurance considerations, estate planning considerations, education funding, cash flow, charitable giving, or other financial decisions that arise over time.
We also manage investment portfolios designed to support those plans. Rather than building portfolios around predictions about markets, interest rates, or the economy, we focus on diversification, time horizon, discipline, and the purpose each investment serves in your financial life.
As fee-only advisors, we are paid directly by our clients. We do not receive commissions or compensation from investment fund companies, brokerage firms, insurance companies, or other third-party vendors. John Zeltmann is a member of the National Association of Personal Financial Advisors (NAPFA), an organization of Fee-Only financial advisors committed to fiduciary standards.
Just as important to us is the relationship that develops over time.
We want to know our clients well. We want them to call when they have a question. And when they do, we want the person on the other end of the phone to already understand their situation.
The future comes with plenty of unknowns. Good financial advice shouldn’t depend on pretending otherwise.
Our job is to help you understand your options, make thoughtful decisions, and adjust as circumstances change.
We welcome the opportunity to have a conversation and see whether our approach is a good fit for you.