LRL Financial Planning Services, Inc.

The firm provides financial planning and investment advisory services to individuals, including middle- to high-net-worth clients, covering areas such as investment advice, retirement and estate planning, tax planning and portfolio analysis; it also offers occasional educational seminars and workshops. Services are delivered directly by the firm’s president and sole owner through comprehensive financial planning engagements or more limited, topic-specific engagements (cash flow, retirement, education, insurance, etc.).

The firm generally manages accounts on a non-discretionary basis and pursues a buy-and-hold orientation, favoring no-load and exchange-traded/index or target-date funds to implement diversified asset allocations aligned with client risk tolerance. Its client process emphasizes instruction and written financial plans, beginning with a no-charge introductory meeting, periodic (typically quarterly or annual) reviews, and the option to assist with trade execution under limited authorization.

Notable and less common features include a separate accounting/tax practice run by the firm principal that provides tax services billed separately, and an explicit practice of recommending or selecting other advisers (attorneys, insurance brokers, or other investment managers) without receiving referral compensation. The firm also combines time-based financial planning fees with asset-based portfolio management, does not take custody or discretionary trading authority, and makes periodic public presentations as part of its client education efforts.