Comprehensive Financial Planning, Inc.

Comprehensive Financial Planning, Inc. serves individuals (including high‑net‑worth clients), pension and profit‑sharing plans, business entities, trusts, estates, and charitable organizations. The firm offers discretionary and non‑discretionary portfolio management through a Managed Portfolio Program, retirement plan consulting and participant education, and stand‑alone financial planning and implementation referrals.

The firm’s Managed Portfolio Program follows an intermediate‑to‑long‑term, asset‑allocation oriented approach and the adviser employs charting (including 100‑ and 200‑day moving averages), fundamental, technical and cyclical analysis to monitor and adjust portfolios, with regular reviews, semi‑annual reports and a market newsletter. Allocations are primarily to no‑load mutual funds but may include ETFs, individual equities and fixed‑income securities, and the firm acts as a Section 3(21) fiduciary for certain retirement plan clients.

Distinctive features disclosed in the brochure include that some principals and representatives are licensed insurance agents who may recommend and sell insurance products on a commission basis, a relationship the firm discloses as a potential conflict and for which clients are not required to use the firm’s agents. The firm also notes an affiliation with an employee‑benefit consulting entity and the possibility of paying referral fees or engaging promoters under the Advisers Act marketing rule, arrangements the brochure describes and that are less common among comparable team firms.