Able Financial Planning

The firm provides investment advisory and financial planning services to individuals and a range of institutional and organizational clients, including pension and profit‑sharing plans, foundations and charities, trusts, estates and corporations. In addition to advisory and planning, it offers insurance placement, mortgage origination and tax‑preparation services through affiliated businesses and may recommend annuities and other insurance products.

The firm generally manages portfolios on a discretionary basis while permitting non‑discretionary arrangements and client‑imposed restrictions, gathering information about assets, liabilities, goals and risk tolerance to build customized asset allocations. It uses a mix of fundamental, technical/charting and cyclical analysis and pursues strategies from long‑term holdings to short‑term trades and option writing; portfolios may be constructed primarily with mutual funds (including Class C shares) but can include stocks, bonds, annuities and insurance products.

What is noteworthy for a firm of this size are its multiple licensed, revenue‑generating affiliations: the adviser practice is linked with insurance production, mortgage origination and tax preparation, and the firm discloses it may receive commissions or fees from insurance and mortgage transactions while stating clients are not required to use affiliated services. The brochure also highlights a broader client mix than is typical for small independents and documents policies intended to manage conflicts (a fiduciary statement, a code of ethics and written disclosures about outside business activities).