Mitchell Financial Planning

The firm provides personalized financial planning and investment advisory services to individual clients through consultations, addressing objectives such as cash flow, tax planning, insurance review, retirement and estate planning, and education funding. It operates as a fee-only planner and does not act as a custodian or portfolio manager; clients retain control of assets and implement recommendations themselves.

The firm’s investment philosophy is grounded in Modern Portfolio Theory and emphasizes strategic asset allocation using a core-and-satellite approach, with low-cost index mutual funds and ETFs as core holdings and selectively used active funds where appropriate; portfolios typically include international exposure. Advice centers on long-term diversification and allocation rather than frequent trading, and the firm does not accept discretionary trading authority for client accounts.

Noteworthy for an independent sole proprietor, the firm bills only on an hourly basis ($200 per hour) rather than using percentage-of-AUM fees and explicitly does not provide portfolio management or custody services—features that are less common among peers. The practice maintains a very small client roster, relies on referrals and external custodians for implementation, and is led by a principal with an institutional finance background and formal training in personal financial planning; the firm also documents policies for information security and business continuity.