Core Planning

Core Planning provides fee-based financial planning and wealth management to individuals (including high‑net‑worth clients), retirement plans, trusts, estates, charitable organizations, and business entities. Its services include both discretionary and non‑discretionary portfolio management, tailored financial planning delivered as one‑time, project, or ongoing engagements, and advisory support for qualified retirement plans.

The firm’s investment work is customized to client goals, time horizons and risk tolerances and relies on fundamental analysis with a mix of long‑ and short‑term strategies; accounts are reviewed at least annually and more frequently as circumstances dictate. For implementation, Core Planning uses a combination of in‑house advice, third‑party money managers and model portfolios accessed through a Model Marketplace, and maintains relationships with custodians such as Altruist and Charles Schwab.

Distinctive aspects noted in the brochure include the firm’s explicit provision of limited‑scope ERISA 3(21) plan advisory services alongside individual wealth management and its use of third‑party model solutions to assist portfolio management. The firm also discloses potential conflicts — some advisors operate as independent insurance agents and the firm may receive custodial research or other benefits — and it does not accept proxy‑voting authority for client securities, leaving voting to clients.