Milne Financial Planning, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$96,663,263
This total excludes 4 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
83
40% high-net worth
Total advisors
1
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
83
Average account size
$1,164,618
About
Milne Financial Planning is a fee-only, fiduciary-registered investment adviser that serves individual investors as well as trusts, estates, charitable organizations, pension and profit-sharing plans, and business entities. The firm offers both one-time engagements (Basic Review, Retirement & Investment Review, and Full Financial Review) and ongoing financial planning and investment supervisory services, and it can provide tax-related advice and life insurance recommendations under its Vermont insurance consultant license.
The firm follows a traditional, long-term investment philosophy that emphasizes diversification, asset allocation, and a buy-and-hold approach, using a mix of fundamental and technical analysis. Portfolio construction begins with cash allocation and risk assessment tied to spending projections; Milne generally favors mutual funds and ETFs over individual stocks, permits client choice of socially responsible or non-ESG portfolios, and can manage accounts on a discretionary basis through custodians such as Charles Schwab (and, in certain cases, TIAA‑CREF, Nationwide Life & Annuity, or My529).
What distinguishes Milne Financial Planning is its combination of a small, single-advisor practice with roughly $96.7 million in assets under management and a history of professional leadership and education: the principal’s long-term involvement in NAPFA and the NAPFA Foundation, including chairing regional conferences, and the firm’s Garrett Planning Network membership support the firm’s conduct of educational seminars and workshops — a service relatively uncommon among peers. The firm also emphasizes technology-enabled delivery (virtual meetings, cloud-based systems, and occasional virtual staff) and holds specialized credentials (CFP®, CDFA) that enable targeted advice such as divorce financial analysis and insurance planning.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Fee options
Basic Review $2,500 (one-time); Retirement & Investment Review $5,000 (one-time); Full Financial Review $7,500 (one-time)
$425 per hour
Account minimum: $5,000 minimum ongoing financial planning fee annually Minimum fee: Minimum ongoing financial planning fee of $5,000 annually Fee-only: One-time financial planning fees: Basic Review $2,500; Retirement & Investment Review $5,000; Full Financial Review $7,500; Hourly fee $425/hour; Ongoing financial planning fee $5,000 to $30,000 annually (negotiable); Asset Under Management fee up to 2% annually (negotiable)
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Main office location
Milne Financial Planning, Inc.
770 Railroad Street
Saint Johnsbury VT 05819, United States
Number of offices
3
Forms ADV
Quick links
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