Perk Planning

Perk Planning provides financial planning and investment consultation to individuals (including both non‑high‑net‑worth and high‑net‑worth clients) and to businesses, focusing on areas such as cash flow and budgeting, retirement and education planning, risk management, and estate planning. The firm delivers advice through discrete engagements documented by a client services agreement and does not offer ongoing custodial or continuous portfolio management services.

The firm follows a long-term, passive investment philosophy that emphasizes strategic asset allocation and periodic rebalancing, and it commonly recommends index mutual funds and ETFs as implementation options. Engagements are billed on an hourly or fixed‑fee basis and clients retain discretion over implementation decisions rather than placing assets under the firm’s discretionary management.

Notably, the firm periodically offers public financial education workshops—a service uncommon among peers—and operates as a fee‑only consultancy that does not manage client assets or charge percentage‑of‑AUM fees. Its small, two‑advisor structure and the presence of professionals with academic and consulting backgrounds align the practice toward consultative planning and client education rather than traditional asset‑management models.