Circadia Financial Planning

Circadia Financial Planning is a fee-only, independent advisory firm that works with individual and high-net-worth clients on financial planning and discretionary portfolio management. The firm maintains a very small client roster (eight households) relative to its assets under management and provides both ongoing planning and project-based planning alongside investment management and coordination with outside professionals.

The firm’s investment approach is grounded in modern portfolio theory and a mix of passive and active strategies, with portfolios managed on a discretionary basis and reviewed at least quarterly. Services are delivered through integrated planning-and-investment engagements or stand‑alone management, with the firm using rebalancing, cash management, and outside managers when appropriate to align portfolios with clients’ goals and time horizons.

What distinguishes the firm from many peers is its recent formation and boutique scale—started in late 2024 and operating with a single principal—combined with established operational relationships that go beyond typical custodial arrangements; the firm uses Charles Schwab as its primary custodian but added Altruist for limited account types and links client reporting to third‑party platforms such as my529 and MaxMyInterest (assets held on those platforms are not charged advisory fees). The firm also discloses that it does not vote client proxies and does not accept commissions or performance‑based compensation, which are notable governance and business-model choices for a small independent adviser.