C
Cadence Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$12,001,493
Total clients
11
45% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
11
Average account size
$1,091,045
About
Cadence Planning serves individuals and families with fee‑only financial planning and discretionary investment management, and it offers tax preparation and planning through an affiliated entity, Lincoln Tax Professionals, LLC. The firm’s planning services cover retirement, cash‑flow and tax planning, portfolio and estate reviews, and insurance analysis, and it states that it does not accept commissions.
The firm’s investment approach favors passive, low‑turnover asset‑class strategies implemented with ETFs, no‑load mutual funds and bonds, with allocations tailored to each client’s tax situation, risk tolerance and time horizon. Cadence Planning typically manages accounts on a discretionary basis, may delegate implementation to third‑party asset managers (TAMPs), and acts as a fiduciary for retirement accounts.
A distinctive feature is the formal affiliation with a tax‑preparation practice and the disclosure that the firm’s principal may recommend that affiliated service; the Brochure also notes the principal spends roughly 60% of his time on the affiliated tax business, which the firm identifies as a potential conflict of interest. Other noteworthy operational details include a fixed annual planning fee structure tiered to client net worth (with a stated minimum), a practice of executing trades on an individual rather than aggregated basis, and no participation in wrap programs.
Client services
Financial planning
Portfolio management
Fee options
Financial Review fixed fee of $1,750 (half due at appointment booking, half at meeting)
Net Worth < $1,000,000 - $1,000,000: $7,000 - $8,000 fixed annual fee $1,000,000 - $3,000,000: $8,000 plus 0.5% of net worth in excess of $1,000,000 annually $3,000,000+: $18,000 plus 0.4% of net worth in excess of $3,000,000 annually
Hourly rate of $250 for extended Financial Review services beyond initial scope
Account minimum: No minimum net-worth or asset requirements; however, a minimum fee of $7,000 is charged Minimum fee: Minimum fee of $7,000 annually for Total Financial Planning engagement Fee-only: Fee-only financial planning firm; no commissions or third-party fees accepted
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Cadence Planning, LLC
5205 Chairmans Ct, Suite 204
Frederick MD 21703, United States
Number of offices
2
Forms ADV
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