Financial Staples

Financial Staples is a fee-only independent investment adviser that serves individuals, families, small businesses, and trusts through comprehensive, project-based, and hourly financial planning engagements and by placing client assets with third‑party money managers for discretionary portfolio management. The firm’s clients include non‑high‑net‑worth individuals as well as small business owners who seek integrated planning across personal and business finances.

The firm favors a passive investment approach, building portfolios from index mutual funds and ETFs and using outside managers while conducting ongoing due diligence of managers’ holdings, strategies, concentrations, and compliance. FS integrates investment advice with planning areas such as cash flow, retirement projections, tax considerations, estate planning, and insurance/risk‑management reviews, and it will provide asset allocation recommendations for employer‑sponsored retirement plans when requested.

What is distinctive about the firm is its emphasis on business‑owner needs — including business planning and employee benefits optimization — and its broader offering of insurance and risk‑management analysis alongside traditional planning, services that are less common among solo independent advisers. The brochure also notes a recent material change removing a retirement‑plan consulting offering; the firm remains fee‑only and discloses that it does not accept commissions or compensation for product sales.