Impact Financial Life Planning LLC

The firm is a small, state-registered, fee-only advisory practice that provides ongoing financial planning and discretionary investment management to individual clients (including high‑net‑worth individuals), as well as hourly and project-based planning and limited one‑off consultations. It also offers educational seminars and speaking engagements on personal finance topics, presented on an as‑announced basis and delivered in virtual or in‑person formats.

IFLP’s investment approach is goal‑based and grounded in modern portfolio theory, generally favoring passive ETFs and mutual funds while permitting selective active managers and individual securities where appropriate. Clients receive written financial plans, regular monitoring and reviews, and the firm typically implements portfolios with limited discretionary trading authority to align allocations with stated objectives and risk tolerance.

Noteworthy distinctions include the firm’s emphasis on fixed recurring and project/hourly billing arrangements rather than relying primarily on percentage‑of‑assets fees, and the explicit offering of educational seminars — features that are uncommon among peers. The principal’s concurrent roles providing financial planning and contract work for other advisory firms are disclosed and may affect capacity, and the firm executes client trades on an individual rather than block‑trading basis.