Fluid Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$19,682,861
Total clients
109
6% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
109
Average account size
$180,577
About
Fluid Financial Planning provides investment management and a range of financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and businesses. Services include portfolio management, retirement and estate planning, employee benefits optimization, business planning, college savings, and other comprehensive financial planning topics.
The firm primarily implements passive, asset-class diversified portfolios using low-cost index mutual funds and ETFs, and supplements portfolio work with fundamental, technical, cyclical and charting analysis as part of its investment review process. For clients who engage its comprehensive planning service, the firm offers ongoing access to a planner through a fixed monthly subscription, delivers written plans, and conducts annual plan reviews and monitoring.
What is distinct about the firm relative to many peers is its explicit work with pension and profit-sharing plans—an offering that is statistically uncommon among similar independent advisers—and its use of automated model implementation tools for discretionary allocations. The firm also describes participation in institutional custodian programs that provide operational and research support, which it notes as part of its custody and execution arrangements.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Business ownership considerations
General estate planning guidance
Occupation focus
Founder/Business Owner
Fee options
Financial Planning fixed fee between $500 and $750
$0 - $500,000: 0.90% $500,001+: 0.85%
Comprehensive Financial Planning ongoing monthly fee $50-$100
Fee-only: Financial Planning fixed fee ranges from $500 to $750, negotiable; Comprehensive Financial Planning upfront fee $750-$1,250 plus ongoing monthly fee $50-$100, negotiable
Main office location
Fluid Financial Planning, LLC
5636 Whitesville Road, Suite B1
Columbus GA 31904, United States
Number of offices
1
Most active in
Fluid Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Alabama · Georgia
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")