Linnard Financial Management & Planning, Inc.

Linnard Financial Management & Planning, Inc. primarily advises individuals, families and trusts, with a focus on retirement and comprehensive financial planning, and offers investment advice and portfolio management on both discretionary and non‑discretionary bases. The firm operates as a fee‑only advisor and reports managing roughly $3.4 million in client assets, providing services on a consultation, project, retainer or ongoing wealth management basis.

The firm emphasizes risk management and employs three investment approaches — a traditional Modern Portfolio Theory (MPT) allocation, a rules‑based MarketAware SM dynamic allocation (active management), and a MarketAware SM periodic re‑allocation model for clients in retirement plans or annuities — generally using low‑cost ETFs and no‑load mutual funds. MarketAware manager accounts are monitored frequently (typically daily to weekly) and LFM&P can either execute trades under discretionary authority or deliver periodic non‑discretionary recommendations, while recommending cost‑effective custodians to limit trading costs.

What is notable about the firm is its small, owner‑managed structure (two principals managing a very small client base) combined with disclosures indicating it may serve a range of institutional client types that are uncommon for similarly sized advisers, including a sovereign wealth fund, banking or thrift institutions, state or municipal entities, insurance companies and other investment adviser clients. The brochure also highlights owner‑provided, hands‑on account management, a long‑standing independent fee‑only practice since 2002, and policies such as crediting planning fees toward subsequent investment engagements.