Business Description
Synergy Financial Management, LLC (SFM) is a financial planning and Registered Investment Advisory firm headquartered in Seattle, WA. The firm specializes in providing fee-based comprehensive financial planning services and investment advice to individuals and businesses. Since Synergy Financial Management, LLC is a fee-based advisor; potential conflicts of interest regarding compensation are removed.
General Information Gender:    Male CRD#:    2170891 Firm CRD#:    117201 SEC File#:    801-64132 Name of Custodial Firm:    Charles Schwab, TIAA-CREF, Accessor States Licensed in:    All states Years of Experience in Financial Services:    18 Number of Years with Current Firm:    9 I work with the following types of clients:    Individual Investors, Non-Profit Organizations, Businesses Foreign Languages Serviced:    Spanish (some)
Education Academic Background   BA, Finance - Seattle Pacific University (1990) Studied finance abroad in Japan, Hong Kong, China, and Thailand.
Services Investment Types:    Real Estate, Mutual Funds, Bonds, Stocks, Annuities, Insurance, Options & Futures, Alternative Investments, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)
Qualifications & Memberships Certifications, Accreditations & Designations:    CERTIFIED FINANCIAL PLANNER™ Certificant, Masters in Financial Services (MSFS), Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®) Securities Licenses:    Series 65 Insurance and Annuity Licenses:    Annuity, Life, HMO, Health, Disability, Long Term Care Financial Organization Memberships:    Paladin Registry, Society of Financial Services Professionals, CCIM Association, Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes Firm's Number of Clients:    150
Compliance Registered Investment Advisor:    Yes I am an acknowledged fiduciary:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-only financial professional:    Yes I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $300,000 Compensation Methods:    Based on Assets, Hourly, Flat Fee Fee % Based on Assets:    .5 to 1.0% Additional Details on Charges:    Our fees are on a scale, based upon the size of the account.
Prepared By:	Joe Maas, CFP®, CLU, ChFC, MSFS, CCIM, CWPP

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	How many clients do you currently manage?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

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Q.	What are your qualifications? What is your education background?
CFP®, CLU, ChFC, MSFS, CCIM, CWPP

Q.	What is your approach to financial planning?
Holistic Wealth Management

Q.	How many clients do you currently manage?
150

Q.	Will you be the only person working with me?
No, we work with each client as a team.

Q.	How are you compensated? How will I pay for your services?
Fee-Based

Q.	If you are going to manage my account, will you obtain my permission every time you buy or sell something?
No, we create an IPS (Investment Policy Statement), and manage your assets as per this plan.

Q.	How much risk should I be willing to take?
We will work with each client to help them determine their individual level of risk. We look for a client's willingness and ability to take risk.

Q.	Have you ever been charged with any breaches?
No