Symphony Financial Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 1–10 clients last fiscal year.
Symphony Financial Services reports 641 clients. They include 520 individual clients, 71 high-net-worth individuals, and 36 pension and profit-sharing plans. Of its assets, 80.4% ($345M across 1,246 accounts) are managed with discretion; $84M across 66 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 81% | 37% |
| High-net-worth individuals | 11% | 40% |
| Pension and profit-sharing plans | 6% | 21% |
| Charitable organizations | <1% | 1% |
| Insurance companies | <1% | <1% |
| Other client typesCorporations and other businesses | 1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 520 | $158M | 36.8% | $303K |
| High-net-worth individuals | 71 | $172M | 40.1% | $2.42M |
| Pension and profit-sharing plans | 36 | $88.4M | 20.6% | $2.45M |
| Charitable organizations | 6 | $5.64M | 1.3% | $940K |
| Insurance companies | Fewer than 5 | $1.65M | 0.4% | $1.65M |
| Corporations and other businesses | 7 | $3.34M | 0.8% | $477K |
| Total | 641 | $429M | 100% | — |
- Clients
- 520
- Regulatory AUM
- $158M
- AUM share
- 36.8%
- Avg. per client
- $303K
- Clients
- 71
- Regulatory AUM
- $172M
- AUM share
- 40.1%
- Avg. per client
- $2.42M
- Clients
- 36
- Regulatory AUM
- $88.4M
- AUM share
- 20.6%
- Avg. per client
- $2.45M
- Clients
- 6
- Regulatory AUM
- $5.64M
- AUM share
- 1.3%
- Avg. per client
- $940K
- Clients
- Fewer than 5
- Regulatory AUM
- $1.65M
- AUM share
- 0.4%
- Avg. per client
- $1.65M
- Clients
- 7
- Regulatory AUM
- $3.34M
- AUM share
- 0.8%
- Avg. per client
- $477K
Total
- Clients
- 641
- Regulatory AUM
- $429M
- 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
- Financial planning clients last fiscal year
- 1–10
Symphony Financial Services is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Financial planning and consulting are billed hourly at up to $300 or as flat fees from $500 to $5,000; a written financial plan is generally assessed a minimum fee of $250.
John Kim owns 75% or more of Symphony Financial Services. The leadership team of Symphony Financial Services includes President John Kim and Chief Compliance Officer Craig Small. It has 7 employees.
Leadership
- John KimPresident
- Craig SmallVice President and Chief Compliance Officer
Investment adviser representatives
10 representatives listed in the SEC register as of 9 October 2026.
Staff
- 7 employees
- 7 in advisory functions
- 7 state-registered reps
- 7 broker-dealer reps
- 7 insurance agents
- Owns 75% or more of Symphony Financial Services, Inc.
John Kim
Control person · since June 2001
- Owns 5% to 10% of Symphony Financial Services, Inc.
Craig Small
Control person · since June 2008
Symphony Financial Services’ regulatory assets grew from $291M (March 2021) to $429M (February 2026); clients rose from 533 to 641 and employees fell from 14 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $429M | 641 | 7 | 2 |
| March 2025 | $376M | 617 | 7 | 2 |
| February 2024 | $344M | 624 | 11 | 2 |
| March 2023 | $292M | 631 | 10 | 1 |
| February 2022 | $339M | 575 | 11 | 1 |
| March 2021 | $291M | 533 | 14 | 1 |
Besides its headquarters, Symphony Financial Services has 1 office (1 private residence, listed without an address), with 1 listed address in Ohio.
Ohio · 1 listed address
- 4100 Embassy Parkway, Suite 100, AkronHQ
Contact and registration details
- Legal name
- Symphony Financial Services, Inc.
- Headquarters
- 4100 Embassy Parkway, Suite 100, Akron, OH 44333
- Website
- symphony-financial.com
- Phone
- 330-434-2000
- SEC file
- 801-63300
- Structure
- Ohio corporation
- Fiscal year end
- December
Symphony Financial Services uses LPL Financial ($355M, 87%) and Voya ($52.6M, 13%) as custodians for its separately managed accounts. Symphony Financial Services does not have custody of client assets.
- LPL FinancialLPL Financial LLC · Boston, MA · $355M87%
- VoyaVoya Financial · New York, NY · $52.6M13%
At year end, Symphony Financial Services’ separately managed accounts were mostly in funds (76%) and stocks (17%). Its reported 13F holdings for the quarter ended 30 June 2026 total $223M across 105 positions; the largest are First Trust (10.1%), Pimco Enhanced (8.6%) and Principal US (8.3%).
What the accounts hold
- Stocks17%
- Exchange-traded equities16%
- Non-exchange-traded equities1%
- Funds76%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash2%
- Other5%
- Variable annuities & structured products4%
- Derivatives1%
Reported 13F holdings
- $223M
- Reported 13F value
- 105
- Positions
- 55.9%
- In the 10 largest
- +14.3%
- Value vs. prior quarter
- First Trust · MF Closed And MF Open10.1%
- Pimco Enhanced · MF Closed And MF Open8.6%
- Principal US · MF Closed And MF Open8.3%
- Global X · MF Closed And MF Open5.8%
- First Trust · MF Closed And MF Open5.5%
- First Trust · MF Closed And MF Open4.7%
- Apple Inc.3.6%
- Janus Henderson · MF Closed And MF Open3.4%
- iShares Russell · MF Closed And MF Open3.0%
- Janus Detroit · MF Closed And MF Open2.9%
Together, the ten largest are 55.9% of reported value.
How many clients does Symphony Financial Services have?
Symphony Financial Services has 641 clients and manages $429 million for them, as of February 2026. They include 520 individual clients, 71 high-net-worth individuals, and 36 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 February 2026
What services does Symphony Financial Services offer?
Symphony Financial Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Symphony Financial Services use?
Symphony Financial Services’ separately managed account assets are held at LPL Financial LLC (Boston, MA), with $355M and Voya Financial (New York, NY), with $52.6M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 February 2026
How many financial advisors does Symphony Financial Services have?
Symphony Financial Services has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. 7 employees are registered representatives of a broker-dealer and 7 employees are 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 Symphony Financial Services invest in?
At the end of its last fiscal year, Symphony Financial Services’ separately managed accounts held 76% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities, 4% other, 2% cash and equivalents, 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% derivatives. The 4% other category is described as: Variable Annuities & Structured Products.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Symphony Financial Services?
Symphony Financial Services’ direct owners are John Kim (75% or more) and Craig Small (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 25 February 2026
How does Symphony Financial Services get paid?
Symphony Financial Services 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
Is Symphony Financial Services registered with the SEC?
Yes, Symphony Financial Services has been registered with the SEC as an investment adviser since 24 June 2004. Its CRD number is 125058 and its SEC file number is 801-63300.
Source: Form ADV Part 1A, Item 1, filed 25 February 2026; IAPD firm record
How do I contact Symphony Financial Services?
Symphony Financial Services’ main office is at 4100 Embassy Parkway, Suite 100, Akron, OH 44333. Its phone number is 330-434-2000. Its website is symphony-financial.com.