PharmD Financial Planning LLC

PharmD Financial Planning is a solo, state-registered advisory firm that serves individual clients — including high-net-worth households — and, as of 2025, also provides portfolio management to non-profit organizations. The firm offers investment management through third‑party/SEI-based manager programs, ongoing comprehensive financial planning, and hourly planning on topics such as retirement, tax planning, cash flow, and estate planning.

The firm primarily implements passive portfolios built with index mutual funds and ETFs and typically allocates client assets to SEI programs and other outside managers, while also conducting fundamental, technical, and charting analysis as part of its research and manager oversight. Client accounts are reviewed periodically for suitability and may be managed on a non-discretionary basis through the chosen outside manager; the adviser conducts ongoing plan monitoring and periodic client meetings.

Compared with peers, the firm combines a relatively small client base and concentrated AUM under a single adviser with some uncommon business practices: it uses endorsements and testimonials in its advertising and does not charge percentage‑of‑AUM advisory fees, instead employing a fixed annual advisory fee for ongoing planning and management. The firm relies on SEI’s platform for custody, reporting, and certain support services, and permits client‑imposed investment restrictions within the agreed advisory relationship.