SDM Advisors is an independently owned financial advisory firm serving clients in the San Francisco Bay Area, with offices in San Francisco and Menlo Park and additional listed locations in San Mateo and San Leandro. The firm provides personalized financial guidance for individuals, families, business owners, retirement plan sponsors, and family offices. Its services include investment advisory, financial and estate planning guidance, corporate retirement plan design and implementation, nonprofit advisory, cash management, and tax planning through its partnership with accounting firm SD Mayer & Associates.

SDM Advisors takes a holistic approach, aiming to coordinate financial needs that might otherwise be handled by separate professionals. The firm develops plans around each client’s goals, values, circumstances, and changing needs, and works with clients over time to review and adapt those plans. Its stated investment philosophy is passive, using diversified portfolios of low-cost exchange-traded funds rather than attempting to time the market. Financial plans are priced at an agreed flat fee based on complexity; investment management fees are typically around 1% of assets under management, with lower rates as assets increase.