B
Black Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
125
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
125
Very HighAverage account size
$0
About
Black Financial Planning, LLC provides financial planning and consulting to individuals, high‑net‑worth clients, trusts, estates, charitable organizations, and business entities. The firm does not perform discretionary portfolio management itself; it prepares written financial plans and, when appropriate, refers clients to registered third‑party investment managers.
Its planning process covers cash‑flow analysis, retirement and estate planning, tax reduction strategies, risk management, and long‑term investment guidelines tailored to each client’s objectives. When clients use outside managers, BFP acts as liaison, helps with onboarding and paperwork, and monitors manager performance and account activity on a periodic basis rather than trading or custodying assets directly.
Distinctive aspects disclosed in the brochure include that the firm’s principals are licensed insurance agents who may sell insurance and receive commissions, and that BFP receives referral fees, fee sharing and incentive benefits from its primary third‑party manager (Gradient Investments), including production‑based marketing and technology support. The managing member also maintains an unrelated small business interest; these outside activities and potential conflicts are disclosed and subject to the firm’s stated mitigation procedures.
Client services
Financial planning
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Cash flow / budgeting
Life insurance needs analysis
General tax planning
Fee options
$0+: 2.15% annually (Custom Indexing - Strategic) $0+: 2.00% annually (Strategic) $0+: 1.85% annually (Custom Indexing - Allocation) $0+: 1.70% annually (Allocation) $0+: 1.80% annually (Tactical) $0+: 1.70% annually (Defined Outcome) $0+: 1.50% annually (Private Wealth) $0+: 1.00% annually (Preservation)
$100 per hour for financial planning services
Fee-only: Financial planning at $100 per hour
Main office location
Black Financial Planning, LLC
1 N. Jackson St.
Farmington MO 63640, United States
Number of offices
1
Most active in
Black Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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