S.F. Ehrlich Associates provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
S.F. Ehrlich Associates reports 117 clients. They include 62 individual clients and 55 high-net-worth individuals. Of its assets, 100.0% ($186M across 385 accounts) are managed with discretion. Of its clients, 2% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 53% | 12% |
| High-net-worth individuals | 47% | 88% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 62 | $23.2M | 12.5% | $374K |
| High-net-worth individuals | 55 | $163M | 87.5% | $2.96M |
| Total | 117 | $186M | 100% | $1.59M |
- Clients
- 62
- Regulatory AUM
- $23.2M
- AUM share
- 12.5%
- Avg. per client
- $374K
- Clients
- 55
- Regulatory AUM
- $163M
- AUM share
- 87.5%
- Avg. per client
- $2.96M
Total
- Clients
- 117
- Regulatory AUM
- $186M
- AUM share
- 100%
- Avg. per client
- $1.59M
- Clients outside the U.S.
- 2%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
S.F. Ehrlich Associates charges 0.75%–1.00% a year for its Investment Advisory Services. Each asset band is charged at its own rate. The fee is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M and above | 0.75% |
Fee details and sources
Other fees
- Consulting
- Consulting is a fixed fee under a consulting agreement, between $500 and $600.
- Stand-alone financial planning
- Stand-alone financial planning is a fixed fee under a planning agreement, negotiable, generally $1,500 to $5,000.
John Zeltmann owns 75% or more of S.F. Ehrlich Associates. The leadership team of S.F. Ehrlich Associates includes President John Zeltmann. It has 2 employees.
Leadership
John ZeltmannPresident, Secretary, Treasurer (12/2023) and Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of S.F. Ehrlich Associates, Inc.
John Zeltmann
Control person · since July 2017
S.F. Ehrlich Associates’ regulatory assets grew from $134M (March 2021) to $186M (February 2026); clients rose from 100 to 117 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $186M | 117 | 2 | 1 |
| February 2025 | $170M | 120 | 2 | 1 |
| March 2024 | $151M | 117 | 2 | 1 |
| March 2023 | $136M | 111 | 2 | 1 |
| March 2022 | $153M | 109 | 2 | 1 |
| March 2021 | $134M | 100 | 2 | 1 |
Besides its headquarters, S.F. Ehrlich Associates has 0 offices, with 1 listed address in New Jersey.
New Jersey · 1 listed address
- 15 Alden Street, Suite 12, CranfordHQ
Contact and registration details
- Legal name
- S.F. Ehrlich Associates, Inc.
- Headquarters
- 15 Alden Street, Suite 12, Cranford, NJ 07016
- Website
- sfehrlich.com
- Phone
- 908-789-1100
- @s.f.-ehrlich-associates-inc.
- SEC file
- 801-113687
- Structure
- New Jersey corporation
- Fiscal year end
- December
S.F. Ehrlich Associates uses Charles Schwab ($171M) as custodian for its separately managed accounts. S.F. Ehrlich Associates has custody of $80M in client assets for 67 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $171M100%
At year end, S.F. Ehrlich Associates’ separately managed accounts were mostly in funds (96%).
What the accounts hold
- Stocks2%
- Funds96%
- Cash2%
How many clients does S.F. Ehrlich Associates have?
S.F. Ehrlich Associates has 117 clients and manages $186 million for them, as of February 2026. They include 62 individual clients and 55 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 February 2026
What services does S.F. Ehrlich Associates offer?
S.F. Ehrlich Associates provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does S.F. Ehrlich Associates charge?
S.F. Ehrlich Associates charges 0.75%–1.00% a year for its Investment Advisory Services. Each asset band is charged at its own rate. The fee is negotiable.
Which custodians does S.F. Ehrlich Associates use?
S.F. Ehrlich Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $171M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 February 2026
How many financial advisors does S.F. Ehrlich Associates have?
S.F. Ehrlich Associates has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does S.F. Ehrlich Associates invest in?
At the end of its last fiscal year, S.F. Ehrlich Associates’ separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 2% exchange-traded equities and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns S.F. Ehrlich Associates?
S.F. Ehrlich Associates’ direct owner is John Zeltmann (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 19 February 2026
How does S.F. Ehrlich Associates get paid?
S.F. Ehrlich Associates is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact S.F. Ehrlich Associates?
S.F. Ehrlich Associates’ main office is at 15 Alden Street, Suite 12, Cranford, NJ 07016. Its phone number is 908-789-1100. Its website is sfehrlich.com.