P
Patuxent Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$35,285,454
Clients
16
88% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
16
LowAverage account size
$2,205,341
About
Patuxent Financial Planning, LLC is a fee‑only, state‑registered investment advisor that provides financial planning and portfolio management for individuals, families, and trusts. The firm advises on retirement, estate, tax and insurance matters and typically recommends no‑load mutual funds, ETFs and institutional funds available on the Schwab platform.
The firm follows a fundamental, long‑term buy/hold/monitor approach that emphasizes asset allocation as the primary driver of portfolio returns, and conducts ongoing supervision with formal annual or semi‑annual reviews. Accounts are managed on a non‑discretionary basis—the firm requires client verbal or written approval before implementing recommended trades—and it focuses on long‑term holdings both inside and outside retirement accounts.
The practice is a single‑advisor operation serving a small client roster (16 clients) and manages approximately $35.3 million in non‑discretionary assets, a setup that is uncommon among independent peers that more often employ discretionary authority. Its brochure also discloses operational details that stand out—use of AI tools to record/transcribe meetings (with an opt‑out option), an explicit discussion of political and AI‑related investment risks, and a policy of not voting client proxies—features not always highlighted by similar small firms.
Client services
Portfolio management
Expertise
General estate planning guidance
General tax planning
Fee options
0.75% of assets under management, billed semi-annually
Account minimum: $500,000 Fee-only: Fee-only investment advisor; no commissions received
Main office location
Patuxent Financial Planning, LLC
Pompano Beach FL, United States
Number of offices
1
Most active in
Patuxent Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Florida · Maryland · Texas
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.
Forms ADV
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