KIPI Financial Planning LLC

Kipi Financial Planning is an independent registered investment adviser that provides ongoing discretionary portfolio management and comprehensive financial planning to individual and high‑net‑worth clients. The firm combines investment management and financial planning into a single advisory relationship and manages roughly $5.54 million for a small client roster.

The firm documents client objectives in individualized Investment Policy Statements and employs a wide set of analytical techniques — including fundamental, quantitative, technical/charting, cyclical, and modern portfolio theory — to construct portfolios across mutual funds, ETFs (including precious‑metal and crypto ETPs), equities, fixed income, REITs and commodities. Investment approaches include long‑term trading and options strategies (including covered and uncovered positions); the adviser operates with discretionary trading authority and performs at least monthly account reviews.

Noteworthy operational features disclosed in the brochure include acceptance of soft‑dollar research benefits, a requirement that client accounts be custodied at Schwab Institutional, and a practice of not aggregating (block) trades for multiple clients, all of which can affect trade execution and access to research relative to peers. The firm was formed in 2024, does not utilize third‑party sub‑advisers, and the principal holds a CPA credential and performs limited unrelated tax work outside the advisory business (tax services are not offered through the firm).