Gutman Financial Planning LLC

Gutman Financial Planning LLC is a fee-only, state-registered adviser that provides financial planning and investment advisory services to individuals and families on an hourly, project, or ongoing basis. The firm also conducts group financial-education workshops (often sponsored by employers, civic, or non‑profit groups) and, as of the ADV filing, was not yet managing client assets.

The firm employs a long-term buy-and-hold approach focused on asset allocation and diversification, typically recommending low-cost, no-load index ETFs and mutual funds and, when appropriate, funds with Fama–French factor tilts. For clients who engage ongoing services the firm monitors accounts at least quarterly, recommends rebalancing when allocations deviate by roughly ±20%, and provides non‑discretionary management that requires client approval for trades.

Compared with many investment-manager peers, Gutman is notable for offering hourly billing and running educational workshops—both statistically uncommon for firms in this category—and for emphasizing project-based comprehensive planning alongside any future asset management. The firm is structured as a single‑member LLC so the sole managing person handles advisory, compliance, and client-service responsibilities, and it maintains an affiliation with the Garrett Planning Network for client referrals.