Brandon Financial Planning, Inc.

Brandon Financial Planning, Inc. serves individuals (including high‑net‑worth clients), pension and profit‑sharing plans, and business entities, offering combined comprehensive financial planning and investment advisory services. The firm, founded in 1982, operates with a small advisor team and manages roughly $435 million for about 250 clients.

Engagements begin with detailed fact‑finding and a written Personal Financial Analysis, followed by prioritized implementation and ongoing consultation; investment implementation typically emphasizes long‑term purchases and allocations to mutual funds and ETFs. Brandon Financial offers both discretionary and non‑discretionary management but reports that the large majority of assets are managed on a non‑discretionary basis, so trades generally require prior client consent and the firm may be unable to act for unavailable clients during market events.

Distinctive elements include an affiliation with a licensed insurance agency and personnel who also act as registered representatives of a FINRA‑member broker‑dealer, which enables commission‑based product implementation alongside fee‑based advisory services and creates disclosed conflicts of interest. The firm also highlights specialized financial planning for business entities and provides certain custodial services (such as bill‑paying or trustee functions) that result in custody arrangements subject to annual surprise CPA examinations.