Padden Financial Planning LLC

Padden Financial Planning LLC is a fee-only adviser that serves individuals and families, including trusts, estates, and retirement plans, providing holistic financial planning and tax planning services. Its stated offerings include portfolio analysis and asset allocation, investment recommendations, income tax planning and preparation, retirement and estate planning, education funding, and cash flow and budgeting support; the firm lists two advisors and 46 clients.

The firm’s investment approach centers on disciplined asset allocation with an emphasis on equities for long-term appreciation, global diversification, and high-quality fixed income to manage volatility, typically implemented with mutual funds, ETFs and passively managed index funds. Padden works with clients through three non‑AUM engagement types (Open Retainer, Project Retainer, and Hourly), does not accept discretionary trading authority, and requires client approval before executing transactions.

Compared with many peers, Padden does not use a percentage‑of‑assets fee model and instead relies on flat retainers and hourly billing while maintaining a fee‑only, non‑commission policy and no custody of client assets. Distinctive features in the brochure include the principal’s CPA, CFP® and Registered Life Planner credentials and memberships in ACP and NAPFA, and the firm’s disclosure that it advises approximately $180 million in marketable assets that are not reported as regulatory AUM because services are not continuous supervisory management.