Pihl Financial Planning

Pihl Financial Planning is an independent, single-advisor registered investment adviser that works with a range of individuals and households — including retirees, business owners, and high-net-worth clients — as well as entities such as trusts and plan sponsors. The firm provides discretionary portfolio management alongside comprehensive financial planning services that address retirement, tax, estate, insurance, business planning, cash flow, and college funding.

The firm’s investment approach combines passive and quantitative factor strategies (value, momentum, quality) with selective active security selection and exposure to commodities via ETFs, and it may employ options-based techniques such as buying puts, selling covered or cash-secured puts, and “return stacking.” Portfolios are built around client-specific investment policy statements with emphasis on diversification, tax efficiency, and risk management, and the adviser generally acts with discretionary authority while offering tailored restrictions when requested.

Compared with many solo independent advisers, the firm highlights an uncommon mix of advanced credentials (both CFP® and CFA charters) and a willingness to use derivatives and factor-based quantitative methods within client accounts, along with planning topics that extend to emergency preparedness and contingency arrangements for continuity of service. It also notes several operational distinctions for a small firm — for example, not providing separate written investment reports to management clients and documenting detailed continuity plans — which may be relevant to prospective clients assessing service expectations.