Independent Financial Planning

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Client assets under management

$45,507,938

Clients

212

5% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

106

Very High

Average account size

$214,660

About

Independent Financial Planning serves individual investors — including high-net-worth and non‑HNW clients — as well as retirement plan sponsors. The firm provides comprehensive financial planning, ongoing portfolio management, retirement plan advisory, tax-preparation and business-consulting services, and offers periodic educational workshops for clients and the public.

Investment strategy centers on a Core + Satellite approach that blends passive, indexed core holdings with active satellite positions to pursue diversification and tax efficiency. For some separately managed accounts the firm may employ options and other derivatives to generate income or hedge downside risk, and portfolios are generally managed on a discretionary basis with regular monitoring and periodic plan reviews.

Compared with many peers, the firm’s explicit use of derivatives in separately managed accounts and its regular offering of complimentary educational seminars are uncommon features noted in its disclosure. The brochure also discloses the managing principal’s participation on the investment committee of a private real‑estate fund (with related disclosure and a waiver of advisory fees for such investments) and a 2022 state regulatory finding that resulted in penalties and client refunds, as described in the firm’s filing.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning Cash flow / budgeting Debt management Tax strategies for small businesses

Occupation focus

Founder/Business Owner Retired

Demographic focus

Mid-Career Professionals

Fee options

Fixed

$3,000 for initial financial plan; various fixed fees for tax preparation (e.g., $200 first time filer, $300 personal tax return, $100 Schedule C, $500 business returns)

Percentage

$0 - $249,999: 1.25% annually $250,000 - $499,999: 1.20% annually $500,000 - $999,999: 1.10% annually $1,000,000 - $1,999,999: 1.00% annually $2,000,000 - $4,999,999: 0.80% annually $5,000,000 - Above: 0.60% annually

Project-based

$200 per hour (for profit & loss or statement review, additional state tax returns)

Main office location

Independent Financial Planning

Great Falls VA, United States

Number of offices

Most active in

Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Instagram Website 571-969-1458

Advisors at this firm

Ryan B

Series 65

Reston, VA

Independent Financial Planning

Ryan Benson is a financial advisor at Independent Financial Planning in Great Falls, VA, holding a Series 65 designation with three years of industry experience. Prior to his advisory role, he worked in public education and is the founder and CEO of EPE Math Tutoring. He also serves as Managing Director of Independent Financial Education, providing financial education resources and seminars. Independent Financial Planning serves individual investors, including high-net-worth and non-high-net-worth clients, as well as retirement plan sponsors. The firm offers comprehensive financial planning, portfolio management, retirement plan advisory, tax preparation, business consulting, and educational workshops, using a Core + Satellite investment approach that combines passive indexed holdings with active satellite positions.

General retirement planning Cash flow / budgeting Debt management Tax strategies for small businesses Founder/Business Owner Retired Mid-Career Professionals

Daniel M

CFP®, Series 66

Great Falls, VA

Independent Financial Planning

Daniel Morgan is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Independent Financial Planning, LLC since 2014. He holds a Series 66 license and is based in Great Falls, VA. Morgan also participates on the investment committee of a private real-estate fund. Independent Financial Planning serves individual investors, including high-net-worth and non-HNW clients, as well as retirement plan sponsors. The firm offers comprehensive financial planning, portfolio management, retirement plan advisory, tax preparation, business consulting, and educational workshops, using a Core + Satellite investment approach that incorporates passive indexing with active satellite positions and selective use of derivatives.

General retirement planning Cash flow / budgeting Debt management Tax strategies for small businesses Founder/Business Owner Retired Mid-Career Professionals

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