Balancing Life Financial Planning

Balancing Life Financial Planning serves individual and high-net-worth clients, providing comprehensive portfolio management and financial planning services. The firm constructs client investment policy statements and typically implements portfolios through outside managers and TAMPs, recommending custodians such as Buckingham Strategic Partners and Nationwide for custody and third‑party management.

Portfolios are built around clients’ stated goals, tax considerations, and risk tolerance and may include individual stocks, bonds, ETFs, mutual funds, options, and municipal bonds; accounts are managed on a discretionary basis and monitored and rebalanced regularly. Clients may impose reasonable restrictions on securities or sectors, and accounts are subject to periodic reviews (at least quarterly) with implementation often handled by recommended outside managers.

A distinctive feature is the firm’s affiliation with tax and accounting services: the principal is an Enrolled Agent who may provide income tax preparation and accounting under separate engagement agreements, a relationship the brochure discloses as a potential conflict. The firm operates with a small client base and modest discretionary assets (the brochure reports roughly $19.3 million across about 46 clients), does not accept custody except for fee debits, and does not vote client proxies—operational points that may matter when comparing it to peers.