Jennings Financial Planning, Inc.

Jennings Financial Planning, Inc. provides investment management and financial planning for individuals, trusts, charitable organizations, small businesses and participant-directed retirement plans. Services include portfolio management for individual and institutional accounts, retirement-plan consulting, participant education, and written financial planning engagements.

The firm follows a long-term, asset-class approach rooted in Modern Portfolio Theory, implementing diversified portfolios primarily with passively managed ETFs and no-load mutual funds (including use of DFA funds) and documenting allocations in written investment policy statements. It uses Monte Carlo analysis and model portfolios in planning, typically manages accounts on a discretionary basis, and may engage a third‑party sub‑adviser and back‑office provider for portfolio implementation; the strategy can also incorporate interval funds, market‑neutral and alternative‑lending exposures or individual fixed‑income holdings where suitable for tax or client circumstances.

Compared with many peers, the firm advises charitable organizations, corporate clients and pension/profit‑sharing plans and provides pension consulting and ERISA fiduciary advice for retirement plans, in addition to serving individual investors. The adviser also maintains an affiliation with an accounting firm to coordinate tax and accounting matters and has a documented business continuity and succession arrangement with a third‑party sub‑adviser to help ensure continuity of client services.