SS&H Financial Advisors provides portfolio management for individuals and small businesses and portfolio management for institutions.
SS&H Financial Advisors reports 116 clients. They include 67 high-net-worth individuals, 46 individual clients and 3 charitable organizations. Of its assets, 96.1% ($463M across 249 accounts) are managed with discretion; $19M across 3 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 40% | 5% |
| High-net-worth individuals | 58% | 90% |
| Charitable organizations | 3% | 5% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 46 | $24.4M | 5.1% | $530K |
| High-net-worth individuals | 67 | $435M | 90.3% | $6.5M |
| Charitable organizations | Fewer than 5 | $22.3M | 4.6% | $7.44M |
| Total | 116 | $482M | 100% | — |
- Clients
- 46
- Regulatory AUM
- $24.4M
- AUM share
- 5.1%
- Avg. per client
- $530K
- Clients
- 67
- Regulatory AUM
- $435M
- AUM share
- 90.3%
- Avg. per client
- $6.5M
- Clients
- Fewer than 5
- Regulatory AUM
- $22.3M
- AUM share
- 4.6%
- Avg. per client
- $7.44M
Total
- Clients
- 116
- Regulatory AUM
- $482M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
SS&H Financial Advisors charges 0.80%–1.00% for its Discretionary account fees. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee requires an account of at least $350,000.
| Asset band | Rate (period not stated) |
|---|---|
| $0–$2.5M | 1.00% |
| $2.5M–$5M | 0.90% |
| $5M and above | 0.80% |
Fee details and sources
Robert Sinnaeve owns 75% or more of SS&H Financial Advisors. The leadership team of SS&H Financial Advisors includes President Gerald Dehondt and Chief Compliance Officer Robert Sinnaeve. It has 2 employees.
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of SS&H Financial Advisors, Inc.
Robert Sinnaeve
Control person · since February 2004
SS&H Financial Advisors’ regulatory assets grew 1.6× from $298M (March 2021) to $482M (March 2026); clients fell from 224 to 116 and employees were 2 in both filings. In 2019, Jerrmar Capital Management joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $482M | 116 | 2 | 1 |
| Feb 2025February 2025 | $347M | 109 | 2 | 1 |
| Apr 2024April 2024 | $287M | 221 | 2 | 1 |
| Mar 2023March 2023 | $260M | 228 | 2 | 1 |
| Mar 2022March 2022 | $315M | 232 | 2 | 1 |
| Mar 2021March 2021 | $298M | 224 | 2 | 1 |
Firms that joined
20191 joined
- Jerrmar Capital ManagementNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, SS&H Financial Advisors has 0 offices, with 1 listed address in 1 state.
Michigan · 1 listed address
- 50 W Big Beaver RD Suite 225, TroyHQ
Contact and registration details
- Legal name
- SS&H Financial Advisors, Inc.
- Headquarters
- 50 W Big Beaver RD Suite 225, Troy, MI 48084
- Website
- sshadvisors.com
- Phone
- 248-538-9755
- SEC file
- 801-17015
- Founded
- 1982
- Structure
- Michigan corporation
- Fiscal year end
- December
SS&H Financial Advisors’ named custodian for separately managed accounts is Charles Schwab ($461M). SS&H Financial Advisors does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $461M100%
At year end, SS&H Financial Advisors’ separately managed accounts were mostly in stocks (66%) and cash (30%). Its reported 13F holdings for the quarter ended 30 June 2026 total $391K across 130 positions; the largest are JPMORGAN Chase & CO (8.8%), Nvidia Corporation (6.8%) and Micron Technology Inc. (5.9%).
What the accounts hold
- Stocks66%
- Bonds4%
- U.S. government and agency bonds3%
- State and local bonds1%
- Cash30%
How many clients does SS&H Financial Advisors have?
SS&H Financial Advisors has 116 clients and manages $482 million for them, as of March 2026. They include 67 high-net-worth individuals, 46 individual clients and 3 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026
What services does SS&H Financial Advisors offer?
SS&H Financial Advisors provides portfolio management for individuals and small businesses and portfolio management for institutions.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does SS&H Financial Advisors charge?
SS&H Financial Advisors charges 0.80%–1.00% for its Discretionary account fees. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee requires an account of at least $350,000.
Source: SS&H - FIRM BROCHURE FORM ADV PART 2A, filed 19 October 2026
Which custodians does SS&H Financial Advisors use?
SS&H Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $461M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 March 2026
How many financial advisors does SS&H Financial Advisors have?
SS&H Financial Advisors 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 SS&H Financial Advisors invest in?
At the end of its last fiscal year, SS&H Financial Advisors’ separately managed accounts held 66% exchange-traded equities, 30% cash and equivalents, 3% U.S. government and agency bonds and 1% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does SS&H Financial Advisors have a minimum investment?
Yes, SS&H Financial Advisors’ minimum account size for its Discretionary account fees is $350K.
Source: SS&H - FIRM BROCHURE FORM ADV PART 2A, filed 19 October 2026
Who owns SS&H Financial Advisors?
SS&H Financial Advisors’ direct owner is Robert Sinnaeve (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 2 March 2026
How does SS&H Financial Advisors get paid?
SS&H Financial Advisors is paid through a percentage of assets under management, hourly charges 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 SS&H Financial Advisors?
SS&H Financial Advisors’ main office is at 50 W Big Beaver RD Suite 225, Troy, MI 48084. Its phone number is 248-538-9755. Its website is sshadvisors.com.