Demers Financial Planning

Demers Financial Planning is a fee-only independent advisory firm that serves individual clients, primarily pre-retirees and retirees who generally have at least $1 million in investable assets. The firm provides holistic wealth management, portfolio management through third‑party asset managers, and limited financial review engagements addressing retirement, tax, estate, education funding, and small‑business planning.

Engagements begin with an initial interview and data gathering, followed by analyses and written recommendations and implementation as agreed; reviews are performed semi‑annually or annually (or more frequently when needed). The firm emphasizes asset allocation and a long‑term buy‑and‑hold approach, may delegate discretionary trading to TAMPs or sub‑advisors for portfolio implementation, and uses technology tools — including software that employs machine learning and AI — to support research and workflow while retaining supervised review of advice.

Compared with many solo independent advisors, the firm maintains periodic client communications and Brochure updates and also circulates newsletters or other ongoing disclosure material, a practice that is relatively uncommon among peers. The practice manages a small client roster with substantial assets per advisor, operates under fee‑only NAPFA/ACP affiliations, and offers both ongoing wealth management and discrete Financial Review engagements.