Gold Canyon Financial Planning

The firm provides fee-only, personalized financial planning and discretionary investment management primarily for individuals, couples and families — including retirees, professionals and business owners — managing about $43.4 million across roughly 115 clients. It focuses on portfolio management for individual investors and does not accept commissions or sell insurance or annuities.

Investment decisions are guided by a long-term, buy-and-hold approach informed by Modern Portfolio Theory, typically implemented with low-cost, no-load mutual funds and ETFs (including access to DFA funds), individual bonds, treasuries and cash equivalents; portfolios are reviewed at least quarterly with an estimated 20% annual turnover for tactical adjustments. The firm has moved away from hourly and project-based engagements to concentrate on continuous AUM relationships and, for households with $200,000 or more managed, includes a comprehensive financial plan within the advisory fee.

Distinctive operational features include a single dedicated investment adviser who performs all account reviews and trading, limited custody only to permit fee deduction, and a firm policy of not voting client proxies (forwarding proxy materials directly to clients). The firm operates as a CFP‑credentialed, fee-only partnership with DFA fund access, provides occasional pro bono work for one nonprofit, and manages a small number of revocable living trust accounts, characteristics that set it apart among similarly sized supported firms.