Forthright Finances LLC

Forthright Finances, LLC works with individual and high‑net‑worth clients and provides ongoing comprehensive financial planning combined with investment management through its "Navigation" service, along with limited‑scope and hourly planning engagements and coordinated estate‑planning services using third‑party scriveners. The firm reports no account minimums and covers topics such as retirement, tax planning, business planning, insurance review, cash‑flow and debt management as part of its planning work.

The adviser manages individually tailored, discretionary portfolios built around asset allocation targets and primarily employs passive strategies using index mutual funds and ETFs while applying fundamental analysis to inform security selection and allocation. Forthright emphasizes long‑term, low‑turnover management with tax considerations and generally discourages implementing investment strategies without a completed financial plan.

Forthright discloses it has no related parties but maintains an institutional relationship with the Altruist platform (and its clearing arrangements) that provides technology and support services, a relationship the brochure notes could create an incentive to custody client assets on that platform. The firm also states it does not aggregate or block trades, does not vote client proxies, and does not provide separate written investment‑management reports, which are procedural choices that distinguish it from many peers.