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MainStreet Financial Planning, Inc.

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Client assets under management

$0

Clients

350

0% high-net worth

Advisors

3

of 6 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

117

Very High

Average account size

$0

About

MainStreet Financial Planning provides fee-only, advice-only financial planning and investment consultation to individuals, families, business owners and nonprofit clients. Services include comprehensive Money Roadmap planning, topic-specific “Money Pit Stop” engagements, ongoing Navigation Support subscriptions, and employee-focused seminars and on-site counseling.

The firm does not provide continuous portfolio management or take custody of client assets; clients retain discretion to implement recommendations. MSFP generally favors a long-term, low-cost passive investment perspective in its recommendations and charges hourly, fixed and subscription fees rather than percentage-of-AUM advisory fees.

Compared with many small planning practices, the firm is unusual in operating five offices while maintaining a three-advisor team and serving about 350 clients, and in running regular educational webinars and workplace seminars. It also offers several less-common ancillary services for a planning firm — including personal tax return preparation, military and federal benefits planning, equity-compensation and rental real estate analysis — and participates in the Garrett Planning Network to support its fee-only practice.

Client services

Financial planning Educational seminars or workshops Tax preparation services

Expertise

Retirement income strategy Income planning Equity compensation tax strategy College savings (529s, UTMA, etc.) Long-term care insurance

Occupation focus

Founder/Business Owner Retired

Demographic focus

Newlywed/Engaged Parents Mid-Career Professionals

Fee options

Fixed

Money Roadmap Navigator Package: Year #1 total $5,900 for Families/Couples (initial deposit $2,500 plus $309/month for 11 months); Year #2 and beyond $309/month. For Individuals Year #1 total $4,850 (initial deposit $2,200 plus $241/month for 11 months); Year #2 and beyond $241/month. Money Roadmap One Time Plan: Individuals $5,450, Couple/Family $6,650. Money Pit Stop (Hourly): $450 per hour. Navigation Support Program (Ongoing): Individuals $2,650, Couple/Family $3,400; additional one-time fee $800 if more than 24 months since last meeting. Tax Return Preparation fees starting at $725 for individual returns, $990 for trust returns, $1,400 for corporate returns; complexity fees at $450/hr.

Project-based

Hourly fee of $450 per hour for professional services.

Subscriptions

Monthly subscription fees for ongoing services: $309/month for Families/Couples, $241/month for Individuals; Navigation Support Program billed annually or quarterly.

Other

Fee-only: Hourly fee of $450 per hour for Certified Financial Planners; fees billed in quarter-hour increments; Fixed fee packages available.

Main office location

MainStreet Financial Planning, Inc.

236 N Santa Cruz Ave, Ste. 237

Los Gatos CA 95030, United States

Number of offices

5

Most active in

More info

California · District of Columbia · Maryland · New York · North Carolina · Tennessee · Virginia

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook Instagram Website 888-897-6743

Advisors at this firm

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user avatar

Cynthia F

CFP®

Los Gatos, CA

MainStreet Financial Planning, Inc.

Cynthia Flannigan is a CFP® professional with seven years of industry experience. She has worked at MainStreet Financial Planning, Inc. since 2018 and previously spent six years at Evercore Wealth Management. MainStreet Financial Planning serves individuals, couples, families, business owners, and non-profit organizations, offering fee-only financial planning and investment consultation. The firm emphasizes a long-term, low-cost, passive investment approach focused on asset allocation and tax efficiency, providing non-discretionary advice through structured planning packages and educational resources.

Retirement income strategy Income planning Equity compensation tax strategy College savings (529s, UTMA, etc.) Long-term care insurance Founder/Business Owner Retired Newlywed/Engaged Parents Mid-Career Professionals
user avatar

Katherine E

CFP®, Series 66

Murfreesboro, TN

MainStreet Financial Planning, Inc.

Katherine Edwards is a CFP® and holds a Series 66 license, with nine years of experience in the financial industry. She currently works at MainStreet Financial Planning, Inc., where she has been since 2022. Her prior experience includes roles at Lokal Design Co., Purshe Kaplan Sterling Investments, and The Adams Chetwood Wealth Management Group. MainStreet Financial Planning serves individuals, couples, families, business owners, and non-profit organizations, offering fee-only financial planning and investment consultation with an emphasis on long-term, low-cost, passive investment strategies. The firm focuses on asset allocation and tax efficiency, providing non-discretionary advice and educational services through structured planning packages and ongoing support.

Retirement income strategy Income planning Equity compensation tax strategy College savings (529s, UTMA, etc.) Long-term care insurance Founder/Business Owner Retired Newlywed/Engaged Parents Mid-Career Professionals
user avatar

Anna S

CFP®

Los Gatos, CA

MainStreet Financial Planning, Inc.

Anna Sergunina is a CFP® professional with 16 years of experience, currently serving at MainStreet Financial Planning, Inc. since 2014. She also owns Anna Sergunina Media LLC, a separate business unrelated to her advisory work. MainStreet Financial Planning serves individuals, couples, families, business owners, and non-profit organizations, offering fee-only financial planning and investment consultation with an emphasis on long-term, low-cost, passive investment strategies and tax-efficient asset allocation.

Retirement income strategy Income planning Equity compensation tax strategy College savings (529s, UTMA, etc.) Long-term care insurance Founder/Business Owner Retired Newlywed/Engaged Parents Mid-Career Professionals
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