MAB Financial Planning

The firm provides fee-only comprehensive financial planning to individual clients and their families, addressing cash flow, retirement, insurance, estate, education funding, tax, and investment planning and emphasizing Financial Life Planning using tools such as the EVOKE model and Money Quotient. It operates as a solo, project- or hourly-based practice and does not take custody of or manage client investment accounts.

Investment advice is planning-centered and grounded in academic research (including Fama–French and Modern Portfolio Theory); the firm prepares written Investment Policy Statements that favor globally diversified, low-cost index funds and ETFs with a small-cap/value tilt and a long-term buy-and-rebalance approach. Clients are expected to implement recommendations themselves or engage outside managers; the firm may suggest managers but does not execute trades, accept trading authority, or provide ongoing account monitoring unless separately engaged.

Distinctive elements include the sole practitioner’s professional background as both a licensed attorney and accountant with prior corporate tax and Big Four accounting experience, alongside CFP, Registered Life Planner, and NAPFA registrations, which inform a tax-aware, life-centered planning approach. The firm’s project- and hourly-fee model (no percentage-of-AUM fees), lack of portfolio management or custody, and written-deliverable focus set it apart from many independent advisers that typically manage assets and charge AUM-based fees.