# John Zeltmann

> John Zeltmann is a fee-only financial advisor at S.F. Ehrlich Associates, Inc. in Cranford, New Jersey, who holds the CFA and CFP credentials. John charges a percentage of assets and a one-time planning fee (1% a year on the first tier of assets managed).

Page: https://find.wellspent.co/advisors/john-zeltmann/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** S.F. Ehrlich Associates, Inc.
- **Based in:** Cranford, New Jersey
- **Fee model:** Percentage of assets; One-time planning fee
- **Fees (firm's website):** 1% a year on the first tier of assets managed
- **Assets under management (firm):** $185.8M across 385 accounts
- **Credentials:** CFA, CFP
- **CRD:** 5621804 (https://adviserinfo.sec.gov/individual/summary/5621804)
- **SEC registration:** Investment adviser representative in NJ, TX
- **Exams passed:** Series 65 (2009)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** http://sfehrlich.com

## Frequently asked questions

### Is John Zeltmann a fee-only financial advisor?

Yes. John Zeltmann is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by John's firm.

### How does John charge for financial advice?

John charges a percentage of assets and a one-time planning fee.

### How much does John charge?

According to S.F. Ehrlich Associates, Inc.'s website, checked October 28, 2026: 1% a year on the first tier of assets managed.

### Where is John Zeltmann based?

John Zeltmann is based in Cranford, New Jersey.

### What credentials does John Zeltmann hold?

John Zeltmann holds the CFA and CFP credentials.

### Is John Zeltmann registered with the SEC?

Yes. John Zeltmann is registered as an investment adviser representative in NJ and TX (CRD 5621804), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does S.F. Ehrlich Associates, Inc. manage?

S.F. Ehrlich Associates, Inc. reports $185.8M across 385 accounts in assets under management.

### How do I contact John Zeltmann?

Through John's website, sfehrlich.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/1466): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.sfehrlich.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.