F
Foundations Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
47
74% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
47
Average account size
$0
About
Foundations Financial Planning provides personalized, fee-only financial planning and investment advice to individuals as well as trusts, estates, charitable organizations and small business entities. Services described in the brochure include limited-scope hourly planning, ongoing investment advice, comprehensive financial planning and retainer arrangements.
The firm’s investment approach emphasizes strategic asset allocation with a core-and-satellite structure that typically uses passive index funds and ETFs as the core and selectively adds active funds, with portfolios globally diversified to manage risk. Advice is delivered as recommendations supported by planning and research tools (e.g., financial planning and Morningstar research software); the firm does not act as custodian or trade discretionary client accounts — clients make and execute final investment decisions.
Notable differences from many peers include reporting no assets under management and not accepting discretionary portfolio management for client accounts, as well as not charging standard percentage-of-AUM fees; instead the firm uses hourly, flat and retainer fee arrangements. The brochure also discloses a succession agreement with another registered adviser for an eventual client transition and that the firm does not provide its own performance statements, directing clients to custodial account reports.
Client services
Financial planning
Expertise
General retirement planning
Social Security optimization
General tax planning
Cash flow / budgeting
Fee options
Comprehensive Financial Planning Agreement fees are fixed yearly amounts based on net worth with tiered rates; Retainer Agreement annual fixed fee based on expected scope of effort.
$0 - $500,000: $750 per year fixed fee $500,001 - $1,000,000: $1,000 per year fixed fee $1,000,001 - $1,500,000: $1,500 per year fixed fee $1,500,001 - $2,000,000: $2,000 per year fixed fee $2,000,001 - $2,500,000: $2,500 per year fixed fee $2,500,001 - $3,000,000: $3,000 per year fixed fee $3,000,001 - $3,500,000: $3,500 per year fixed fee $3,500,001 - $4,000,000: $4,000 per year fixed fee $4,000,001 - $4,500,000: $4,500 per year fixed fee $4,500,001 - $5,000,000: $5,000 per year fixed fee $5,000,001+: Fee depends on complexity
Hourly Planning Agreement and Retainer Agreement charged at $250 per hour; fees are negotiable.
Account minimum: $37,500 Minimum fee: Investment Advice Agreement minimum fee is $750 per year; Comprehensive Financial Planning Agreement minimum fee is $2,250 for year one; Hourly Planning Agreement minimum fee is $750 (three hours at $250/hour); Retainer Agreement minimum fee is $750 per year (three hours at $250/hour) Fee-only: Firm is strictly fee-only; no commissions or sales of financial products.
Main office location
Foundations Financial Planning, LLC
Williamsburg VA, United States
Number of offices
1
Most active in
Foundations Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts · Virginia
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.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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