Clark Financial Planning Services LLC

Clark Financial Planning Services LLC provides fee‑only, holistic financial planning and advisory services to individuals, families, and small business owners, covering tax planning and preparation, retirement and estate planning, cash‑flow and portfolio analysis, and employee benefits reviews. The firm states it does not accept commissions or referral fees and does not sponsor wrap fee programs, and it reports no client assets under management because its work is primarily planning and implementation assistance rather than discretionary portfolio management.

The firm’s investment approach emphasizes target asset allocation, low‑cost index funds and ETFs, tax‑aware strategies, diversification, and periodic rebalancing, with an expressed avoidance of market‑timing and leveraged/inverse ETFs. Clark provides implementation support on a non‑discretionary basis—trades are executed only with client consent—and clients engage under fixed‑fee open retainer or project retainer arrangements rather than ongoing AUM‑based billing.

Compared with many independent solo advisers, the firm is notable for not offering ongoing portfolio management for individual accounts and for not using percentage‑of‑AUM fee structures; instead it relies on fixed retainers and project fees. The principal’s tax credentials (Enrolled Agent) and inclusion of tax return preparation within the service set, combined with a small client roster and a strict no‑commission policy, distinguish its planning‑centric, fee‑only model from peers that manage client assets or use AUM billing.