Osborne Financial Planning LLC

Osborne Financial Planning LLC is a newly registered, state-registered investment adviser that describes its services as financial planning and discretionary investment management for individuals and high‑net‑worth clients; the firm reported no assets under management at the time of its Brochure. It provides modular and comprehensive financial planning as well as ongoing portfolio management and monitoring when engaged.

The firm uses a risk‑tolerance questionnaire to place clients into model portfolios and emphasizes asset allocation, low‑turnover management, periodic rebalancing, and the use of no‑load mutual funds and select ETFs; it evaluates fund options with third‑party tools and monitors portfolios at least annually. For investment management it uses standard asset‑based advisory billing, while financial planning is also offered on an hourly or fixed‑fee basis and clients may impose investment restrictions or direct brokerage choices.

A distinctive operational feature is that a firm principal is a licensed insurance agent who offers life, health, disability and long‑term care insurance and receives separate insurance commissions, a dual role the Brochure discloses as a potential conflict of interest. The firm is small (one corporate officer) and newly formed, operates on an institutional custodial platform and discloses indirect custody only through fee‑deduction and asset movement authorizations, which may be notable relative to similarly sized peers.