Core Financial Planning

Core Financial Planning is a fee-only, independent fiduciary firm that provides personalized comprehensive and limited financial planning, investment recommendations, and tax planning and preparation primarily to individual clients and families. Services described in the brochure include portfolio analysis, asset allocation guidance, retirement and estate planning, and personal income tax preparation as part of the planning engagement.

The firm’s investment approach emphasizes disciplined asset allocation using no-load mutual funds, ETFs, global equity exposure and high-quality fixed income, with specific fund selection guided by consistency, expenses and tax efficiency. Recommendations are delivered within the planning process, and the firm generally does not accept discretionary portfolio management or custody of client assets; implementation is non-discretionary unless a client provides limited written trading authority.

Distinctive aspects include an uncommon office footprint for a small advisory practice — the firm maintains five offices while serving a relatively small client base — and a fee model that is not based on percentage-of-assets-under-management but instead on income, marketable assets and engagement complexity. The firm also provides tax return preparation (including occasional pro-bono work), maintains an institutional relationship that provides access to advisor‑only investments, and participates in a national alliance of fee‑only comprehensive planners.