Costello Financial Planning, Inc.

Costello Financial Planning provides advisory services to individuals, families, employer-sponsored retirement plans, and private foundations, offering wealth management, retirement plan consulting, private foundation investment oversight, and personal tax preparation. The firm reports managing approximately $217,082,647 in client assets and delivers ongoing financial planning, portfolio implementation, and periodic reviews for client accounts.

The firm’s investment approach centers on developing a written Investment Policy Statement, diversified asset allocation, manager selection, and a long-term buy-and-hold strategy informed by fundamental analysis and Modern Portfolio Theory, with periodic rebalancing and the option for discretionary management. Costello frames its client work as a stepwise “Personal CFO” process—discovery, base plan, investment planning, development, implementation—allowing clients to set restrictions and triggering reviews as circumstances change.

Several operational features distinguish the firm from many peers: personal tax return preparation is included in wealth management and performed via paid, licensed personnel (including Brothers Tax LLC), and one principal is a licensed CPA, combining advisory and tax services in a way that is less common among supported firms. The brochure also emphasizes professional credentialing (CFP®) and discloses the firm’s use of solicitor referral networks (Zoe Advisor Network and Wealthramp), including payment of solicitation fees, which the firm documents in its disclosures.