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Friedenthal Financial Review

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Friedenthal Financial is a financial advisory firm that provides investment management and financial planning services out of Marlton, New Jersey. This fee-only firm also offers clients access to a proprietary digital portal where they can monitor their investments and perform other actions. 

Friedenthal Financial Background

Mark Friedenthal founded his namesake fire in 2009 following stints at CitiBank, PHH Corp., GE Capital Markets and the Federal Reserve Bank of Atlanta. Friedenthal remains the principal owner of the firm.

The firm’s investment management team features two chartered financial analysts (CFAs) and one certified financial planner (CFP). 

Friedenthal Financial Client Types and Minimum Account Sizes

Friedenthal Financial provides advice to a variety of clients including: 

To open an account, you’ll generally need a minimum investment of $250,000. However, the firm may waive or reduce this minimum at its discretion. 

Services Offered by Friedenthal Financial 

Friedenthal Financial offers investment management and financial planning services. Before making investment decisions, the firm’s advisors meet with clients to establish an investment policy statement. This document details the client’s financial situation, risk tolerance and long-term goals. The firm would use this information to design a personalized investment portfolio based on either a strategic asset allocation or a dynamic one. 

With the strategic option, the asset allocation for your portfolio generally remains the same for the long-term in order to capture returns and mitigate risk. With a dynamic option, the asset allocation can change across different asset classes and market sectors depending on movements in market trends. 

Additionally, Friedenthal Financial offers investment advice for 401(k) plans and annuity contracts. 

The firm’s advisors can also offer financial plannign and consulting services on a per project or hourly basis. Financial planning and consulting may include:

  • Portfolio review
  • Comprehensive risk tolerance assessment
  • Evaluation of financial longevity
  • Retirement readiness
  • Participan directed 401(k)/403(b) portfolio review
  • Retirement plan level advisory consulting

Friedenthal Financial Investment Philosophy

Friedenthal Financial aims to make investment decisions that are appropriate to your risk tolerance. Its advisors can generally provide advice regarding: 

  • Investment strategy
  • Asset allocation
  • Risk tolerance
  • Personal Investment policy
  • Asset selection
  • Regular portfolio monitoring

As for types of securities and investment, Friedenthal Financial focuses its advice on:

  • Mutual funds
  • Equities
  • Bonds
  • Fixed income 
  • Debt securities
  • Exchange-traded funds (ETFs)
  • Real estate
  • Hedge funds
  • Third-party money managers,
  • Real estate investment trusts (REITs)
  • Insurance products, including annuities
  • Private placements
  • Government bonds
  • Stock securities

Fees Under Friedenthal Financial 

The firm primarily charges annual investment advisory fees based on assets under management (AUM). Here are the firm's current fee schedules:

Strategic Asset Allocation (buy/hold/rebalance)

Total Assets Under Management  Annual Fee
First $1MM 0.75%
Next $2MM 0.50%
Next $7MM 0.25%
Above $10MM 0.10%

Tactical Asset Allocation Fee Schedule

Total Assets Under Management Annual Fee
First $500,000 1.20%
Next $500,000  1.00%
Next $2MM 0.80%
Next $7MM 0.60%
Next $10MM 0.40%
Above $20MM 0.20% 

Hourly fees for investment consulting range from $150 to $500. 

What to Watch Out For

Our research did not flag anything to watch out for. Friedenthal Financial has not been the subject of any disciplinary action within the past 10 years. You can review its Form ADV on the official website of the U.S. Securities & Exchange Commission (SEC). 

The firm isn’t affiliated with outside financial institutions. Plus, it works on a fee-only basis, so advisors have fewer conflicts of interest than those at fee-based firms. 

All information is accurate as of the writing of this article.

Tips for Finding the Right Financial Advisor

  • Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • Ask prospective advisors how they get paid and who pays them. Some earn commissions from mutual fund companies or other firms when they recommend their products. This, of course, can create a conflict of interest. A fee-only advisor, though, is bound by their fiduciary duty always to put clients' interests before their own.  

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research