Chess Financial Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$8,900,000
Clients
37
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
37
HighAverage account size
$240,541
About
Chess Financial Planning provides holistic financial planning, tax-aware advice, and portfolio management primarily for middle-income individuals, personal business owners, and very small businesses. Services include ongoing financial planning delivered mainly online, retirement-plan advisory (including plan selection and 3(38) investment selection) and discrete independent engagements for specific tax or investment needs.
The firm operates on a predominantly non-discretionary basis, executing trades only with client approval—either together in meetings or via written instructions—and documents strategy through Investment Policy Statements with periodic reviews. Investment recommendations draw on fundamental, technical, and cyclical analysis, use a mix of passive and active managers (including referrals to third-party managers), and integrate tax planning tools and regular risk-tolerance reassessments.
Noteworthy distinctions include that the firm’s principal is an Enrolled Agent and conducts tax preparation as an outside business activity, and the adviser offers specialized, tax-sensitive alternative solutions (e.g., DSTs, Qualified Opportunity Zone funds, exchange funds) to accredited investors with disclosed fee arrangements. The firm reports most assets as non-discretionary—approximately $9 million at Schwab with about $2 million held directly for alternative assets—and discloses it no longer pursues insurance sales.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Retirement plans for business owners (SEP, solo 401k)
Business exit / sale strategy
Tax strategies for small businesses
Passive / index investing
Active portfolio management
Occupation focus
Founder/Business Owner
Fee options
Fixed fees for specific investment recommendation services, e.g., $500 for exchange fund transaction
$0 - $1,000,000: Included in monthly base fee $1,000,000+: Negotiated additional monthly fee based on approximately 0.35% annually of assets over allowance
Standard hourly rate of $250 per hour for independent engagements
Monthly subscription fees ranging from $25 to $1,000 based on tax bracket and assets
Minimum fee: Minimum monthly fee ranges from $25 to $1,000 based on tax bracket and assets Fee-only: Monthly fee based on tax bracket and asset level, hourly fees at $250/hour, and fixed fees for certain investment recommendations
Main office location
Chess Financial Planning LLC
Springvale ME, United States
Number of offices
1
Most active in
Chess Financial Planning LLC has reported serving >5 clients in these states in the last 12 months.
California
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 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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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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.
Forms ADV
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