Atlantic Financial Planning LLC

Atlantic Financial Planning provides fee-only financial planning and investment advisory services to individual and family clients, addressing retirement planning, Social Security claiming strategies, asset allocation, tax and estate considerations, and related financial issues. The firm operates on an hourly engagement model, provides fee estimates and engagement agreements up front, and requires clients to pay fees directly rather than by deduction from client accounts.

The adviser uses a goal- and risk-based process to recommend target asset allocations and favors a long-term, buy-and-hold approach implemented primarily with index funds and ETFs, with suggested rebalancing typically every 12–18 months. The firm does not exercise discretionary trading authority, does not execute or aggregate trades on clients’ behalf, and does not take custody of client assets.

Compared with many investment managers, the firm’s hourly billing and explicit absence of percentage-of-assets-under-management or performance fees are notable departures from common practice in the category. The adviser is a CFP® professional, adheres to NAPFA and fiduciary best-practice standards, does not accept commissions or third‑party referral fees, and limits personal trading to large, publicly traded pooled vehicles and U.S. Treasuries.