Differential Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,516,993
Clients
28
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
28
TypicalAverage account size
$89,893
About
Differential Planning LLC is a state-registered, single-advisor firm that provides hourly financial planning and related investment services to individuals, high-net-worth individuals, trusts, and corporations or other business clients. Planning topics explicitly include business planning, cash flow, retirement, tax, estate, insurance, and non-discretionary securities advice.
The firm’s investment approach is grounded in Modern Portfolio Theory and a buy-and-hold passive indexing strategy implemented primarily through Vanguard mutual funds and ETFs, with accounts reviewed at least semiannually and discretionary management available via a limited power of attorney. DP does not participate in wrap fee programs, does not aggregate trades, and emphasizes low-cost, low-turnover indexing while acknowledging concentration and tracking risks associated with using a single fund family.
Distinctive aspects of the firm include its practice model that ties investment management access to an ongoing planning relationship rather than the more common percentage-of-assets fee model, and its willingness to work with corporate and trust clients alongside individuals. The firm’s sole principal holds the CFA charter and brings prior institutional corporate credit experience, and the exclusive recommendation of Vanguard index products shapes both its operational profile and client exposure relative to many solo independent advisers.
Client services
Financial planning
Portfolio management
Expertise
Business ownership considerations
Cash flow / budgeting
Debt management
General estate planning guidance
Fee options
$300 per hour
Fee-only: Hourly Financial Planning fee at $300 per hour
Main office location
Differential Planning LLC
Poulsbo WA, United States
Number of offices
1
Most active in
Differential Planning LLC has reported serving >5 clients in these states in the last 12 months.
Colorado · Louisiana · Washington
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")