Personal Financial Planning Inc.

Personal Financial Planning, Inc. provides personalized financial planning and investment management to individuals — including non‑high‑net‑worth clients — as well as pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses. The firm delivers written financial plans, ongoing portfolio oversight and, where applicable, places life and health insurance products as part of implementation; it manages roughly $18 million for about 56 clients.

The firm follows a strategic asset‑allocation, core‑and‑satellite approach that uses passive, no‑load ETFs and mutual funds as the core and selectively adds active funds or individual securities in satellite positions, and it documents objectives in investment policy statements for discretionary trading. Fee arrangements are intentionally flexible: clients can engage the firm under fixed‑fee or hourly planning arrangements or under ongoing percentage‑of‑assets management agreements, and client‑imposed investment restrictions are accommodated.

Distinctive features for a firm of this size include operating primarily as a fee advisor while also acting as an insurance broker/agent and maintaining an affiliation with an insurance entity, and offering the uncommon combination of fixed, hourly and AUM‑based billing options along with direct implementation. The firm is privately owned, maintains custody through third‑party custodians (it does not act as custodian), does not use performance‑based fees, and is not a private‑fund adviser.