Flourish Financial Life Planning

Flourish Financial Life Planning is a fee-only, independent advisory firm that serves individual clients, including both non‑high‑net‑worth and high‑net‑worth households, through comprehensive financial planning and portfolio management. Services described in the brochure include ongoing, one‑time, and project‑based financial planning covering areas such as retirement, estate, tax, insurance, cash flow, college savings, and real‑estate (rental) planning, along with discretionary investment management for clients who opt into ongoing planning.

The firm applies a combination of modern portfolio theory, passive and active management, and both fundamental and technical analysis when constructing portfolios, and it may incorporate socially responsible investing screens or custom values‑based selections at a client’s request. Account supervision is performed on a regular basis (quarterly reviews are noted), custodian account statements and trade confirmations come from third‑party custodians, and the adviser may provide custodian‑prepared quarterly performance or holdings reports to investment management clients.

Compared with many solo independent advisers, Flourish offers educational seminars and speaking engagements for groups and organizations — presented virtually or in person, with topics determined in consultation with the host and explicitly described as educational without product sales. The brochure also highlights that investment management is available only to clients engaged in ongoing financial planning and that the firm is a small practice (about $2.5 million in discretionary assets across 13 clients), which may shape the level of personalized service and the specific service mix offered.