Financial Planning for Generations, Inc.

Financial Planning for Generations, Inc. provides personalized, fee-only financial planning and investment advice to individuals and families — including high-net-worth clients — as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm’s services cover cash-flow analysis, tax and estate planning, retirement and education planning, and deliverables such as written net worth statements and comprehensive financial plans.

Advice is delivered through consultations and written plans with implementation left to the client; the firm does not act as custodian, place trades, or exercise discretionary trading authority. Investment guidance emphasizes strategic asset allocation using a core-and-satellite approach that favors passive index funds and ETFs for core exposure and selective active managers where appropriate, with periodic reviews triggered by market conditions or changes in client circumstances.

Notably, the firm does not provide portfolio management for individual accounts and does not use percentage‑of‑AUM advisory fees, instead operating on a fee-only, time- and project-based model and declining commissions or finder’s fees. The practice also documents formal privacy and business-continuity policies, recommends qualified custodians (such as discount brokerages and trust companies), and is run by CFP‑credentialed professionals who additionally hold fiduciary licensing credentials.