S.F. Ehrlich Associates

S.F. Ehrlich Associates

Ehrlich established S.F. Ehrlich Associates in 1996 as a Westfield, New Jersey-based independent practice. The firm operates as a fee-only adviser — it receives no commissions or referral fees from third-party vendors — and is a member of the National Association of Personal Financial Advisors (NAPFA). Its client base spans individuals, high-net-worth families, trusts, and estates. The practice combines financial planning — retirement, college financing, wealth management — with an investment management program built around passively managed mutual funds, primarily those offered by Dimensional Fund Advisors. S.F. Ehrlich passed DFA's approval process to access the fund family. The firm does not disclose specific portfolio holdings, deployment totals, or direct investment activity. Contact records list two professionals: founder Stanley F. Ehrlich and John Zeltmann, reachable at the Cranford office. The firm maintains a blog, 'Managing Your Money,' covering topics from scam awareness to market chart analysis. No adjacent vehicles — philanthropic foundations, real-asset arms, or club memberships — are publicly identified. No verifiable operational event within the last 24 months was found in public sources. The firm's structural edge is its fee-only, no-commission posture, which removes the incentive to recommend high-fee products. For a small suburban practice, NAPFA membership and DFA approval signal adherence to fiduciary standards and a preference for evidence-based, low-cost portfolio construction — an architecture that differs from the commission-driven models common among local competitors.