361 Financial Planning, Inc.

361 Financial Planning provides financial planning, retirement planning, tax preparation, and wealth management services to individuals, high-net-worth individuals, trusts and estates. The firm combines written planning engagements (including cornerstone, comprehensive, retirement readiness and retirement income plans) with portfolio construction and ongoing investment oversight, and may implement strategies through independent managers and the SEI investment platform.

The firm’s investment approach is long-term and grounded in fundamental analysis, with financial planning used as the foundation for portfolio decisions and retirement-focused analyses that address detailed issues such as asset allocation, safe withdrawal strategies, guaranteed income options, tax-efficiency, asset/liability matching and Social Security elections. Client accounts are managed on a non-discretionary basis, with the advisor generally obtaining client approval before trades and monitoring portfolios for rebalancing, tax management, or changes in client circumstances.

361 Financial is notable among peers for its operational ties outside pure advisory services: it is affiliated with an estate-planning law practice (360 Estate Planning, Inc.), the firm’s principal is a licensed insurance professional who offers insurance products for separate commissions, and the firm also provides tax-preparation services — relationships that are disclosed as separate from advisory fees and can create potential conflicts of interest. The firm also reports relatively modest assets under management (approximately $5.9 million as of July 23, 2025) that are managed non-discretionarily, and maintains an institutional relationship with SEI Private Trust Company that provides platform software and other economic benefits to the advisor.