B & B Financial Planning Co., Inc.

B & B Financial Planning Co., Inc. provides personal financial planning and investment management to individuals, families, trusts, estates and related entities through written financial plans, consultations and project engagements. Client relationships are generally ongoing and services are delivered under fee‑based AUM arrangements, hourly engagements, or fixed fees.

The firm builds tailored portfolios using strategic asset allocation, combining passively managed index and ETF exposure with selectively chosen active funds, dividend‑paying stocks and individual municipal bonds, and it does not rely on off‑the‑shelf model portfolios. When appropriate, B & B uses derivatives in separately managed accounts — buying and selling call and put options as hedges or for income — and typically manages client accounts on a discretionary basis with periodic review and rebalancing.

B & B’s advisors are also registered representatives of an affiliated broker‑dealer and hold insurance licenses, and the brochure discloses that they may earn commissions and other compensation for brokerage and insurance transactions and may spend a material portion of their time in those capacities, a relationship the firm says it discloses to clients. The firm also notes affiliations with custodians that provide research and soft‑dollar benefits and that it does not vote client proxies (clients receive proxy materials directly), features that distinguish its operating model from many advisory‑only peers.