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SEF Financial is an independent financial advisory firm whose mission is to provide the highest level of financial advice to everybody regardless of their current wealth and income while keeping with our fiduciary duty.

We use our financial expertise to build financial security and a higher quality of life for all of our customers. Along with expert financial advice, we ensure that our customers also receive the highest quality and most responsive customer service.

SEF Financial understands that money is individual and personal. Thus, we create a personal Financial Pathway for each client custom tailored to fit his or her unique goals. Then, we closely monitor progress against those goals with our clients and adjust as market or life events require.

Finally, unlike many other financial advisors, with SEF Financial you can be comfortable that you are receiving expert, unbiased advice that is personalized to you and your goals. SEF Financial only sells objective financial planning, advice and investment management services. We do not (and will never) sell any outside product or receive any commission from the sale of financial products.

SEF Financial can guide your path to achieve your financial goals and objectives.


SEM Capital LLC d/b/a SEF Financial is a registered RIA in the State of Tennessee. CRD # 173923

All information contained herein is for informational purposes and should not be construed as investment advice. The content of this website does not constitute an offer, solicitation or recommendation to purchase any security or investment advisory service.

SEM Capital LLC d/b/a SEF Financial is a state registered investment adviser in the state of Tennessee and provides investment advice to individual investors.  Please refer to Form ADV Part 2A ( for more information about our investment philosophy, services and fees.