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Mark Struthers

Personal Finance, Investing, Lifestage Based Planning
“With over 14 years of experience in the financial planning industry, Mark Struthers is the founder and principal of Sona Financial, LLC with a passion for giving truly unbiased advice to help families define and obtain success. ”

Sona Financial, LLC

Job Title:

Owner & Fee-Only Planner


Mark Struthers obtained the Chartered Financial Analyst (CFA) designation and became a Certified Financial Planner Certificant (CFP®) during his 14 years of investing and financial planning experience. Mark's passion is helping client's define and obtain financial success and wellness. 

How is Sona Different?

•       We work on retainer, so you can hold the assets where it is best for you

•       Specialize in working with Gen X and Gen Y parents

•       We can work virtually with client’s in most states

•       We have a great passion for giving true unbiased advice

•       We are a Fee-Only Fiduciary Firm / No commissions

•       We use technology to inform and keep you on track

•       Specialize in college education funding while still saving for retirement

We have everything you need to achieve financial success. Mark is:

•       A CFA (over ten years) to manage the investment piece

•       A CFP® to manage the financial planning piece

•       The technical expertise and the freedom to use it

When Mark isn't teaching or working hard for his clients' financial success, he enjoys rock climbing with his youngest child or coaching one of his basketball or soccer teams, or running a 5k , 10k, or triathlon, with his oldest son.

Fee Structure:

Retainer, Asset-Based

CRD Number:



Sona Financial, LLC is an Investment Adviser registered with the State of Minnesota. All views, expressions, and opinions included in this communication are subject to change. This communication is not intended as an offer or solicitation to buy, hold or sell any financial instrument or investment advisory services. Any information provided has been obtained from sources considered reliable, but we do not guarantee the accuracy or the completeness of any description of securities, markets or developments mentioned. 

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December 2016
    College Tuition, Personal Finance, Lifestage Based Planning
March 2017
    College Tuition, Retirement Plans, Retirement Savings

All Answers
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    Personal Finance
What is the difference between risk tolerance and risk capacity?
100% of people found this answer helpful

Great Question! 

Risk Tolerance is your personal WILLINGNESS to take on risk -- what keeps you up at night. Risk Capacity is your ABILITY to take on risk – what the numbers say. After a detailed analysis, a client might have an ABILITY to take on risk of 9 out of 10 (10 being highest). But the client might have a WILLINGNESS to take on risk of 6 out of 10. The market going up and down is too much for them.

Both are equally valid. You might think of it as emotion vs. academics; heart vs. mind; Captain Kirk vs. Mr. Spock. The perfect academic plan is meaningless if you can't stick with it, or it makes you miserable.

My CFA designation is very numbers based, it is all about analysis and stats. The CFP® is more holistic, more emotion, more about the person. They both make for a healthy financial body.

Good Luck!

Mark Struthers CFA, CFP®


December 2016
    Mutual Funds
When my mutual fund declares an income distribution, the fund price falls by a similar amount. How does this distribution benefit me?
100% of people found this answer helpful
December 2016
How does a Roth IRA grow over time?
73% of people found this answer helpful
January 2017
    Choosing an Advisor
What are the implications of switching financial advisors?
72% of people found this answer helpful
December 2016
    Investing, Real Estate
What average annual return is typical for a long term investment in the real estate sector?
71% of people found this answer helpful
December 2016