AB Financial Planning and Investments, LLC

AB Financial Planning and Investments provides fee-based investment advisory and financial planning services to individual clients, offering custom, discretionary portfolio management and tailored financial planning. The firm reports a very small client roster (six clients) and, as of December 31, 2025, no assets under management but approximately $44 million in assets under advisement.

The adviser uses a tactical allocation strategy combined with fundamental analysis to manage risk and pursue performance, primarily implementing portfolios with Vanguard exchange-traded funds or their mutual fund equivalents. Portfolios may incorporate cash positions as a hedge and the adviser may recommend reallocations or trading for reasons such as rebalancing or tax harvesting, within discretionary authority and client-set guidelines.

The firm’s profile is atypical for an independent solo adviser in that it does not report serving individual (non–high-net-worth) clients, resulting in a concentrated, advisory-focused practice rather than broad retail custody-based relationships. The sole adviser holds professional credentials (CFP and Enrolled Agent), has substantial prior institutional and corporate finance experience, offers alternative fee arrangements (hourly and fixed-fee options) in addition to percentage-based advisory arrangements, and discloses the possibility of compensating third parties for client referrals.