Plain Talk Financial Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$1,068,463
Total clients
3
67% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
3
Average account size
$356,154
About
Plain Talk Financial Planning, LLC is a fee-only, independent registered investment adviser that provides discretionary and non‑discretionary investment management and comprehensive financial planning to individuals and high‑net‑worth individuals. The firm offers ongoing and project‑based planning covering areas such as business planning, retirement and tax strategies, estate planning, and college savings, and it may use third‑party model portfolios (XYPN Invest) or outside managers to implement portfolios.
The firm’s investment approach is asset‑allocation driven and draws on Modern Portfolio Theory, combining passive and active vehicles (mutual funds, ETFs, and individual securities) and incorporating client preferences for socially responsible investing or, where appropriate, cryptocurrency exposure. Account supervision is tailored to client objectives and risk tolerance, with quarterly reviews and oversight of any outside managers the firm employs.
Notable distinctions include an unusually small client base and concentrated assets — three clients with about $1.07 million in total AUM — and the brochure indicates the firm does not maintain non‑high‑net‑worth individual clients, suggesting a focus on fewer, wealthier relationships. The firm is a recent start‑up (founded in 2024), and the sole advisor maintains concurrent employment as a technical support engineer (reported to occupy approximately 80% of trading‑hour time), a fact disclosed and addressed in the brochure.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
Fixed fees for project-based financial planning ranging from $500 to $10,000
$0 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.90% $5,000,001+: 0.80%
$250 per hour for project-based financial planning
Ongoing financial planning fees paid quarterly in arrears ranging from $250 to $10,000
Fee-only: Financial Planning fees only; initial fee up to $2,500 for ongoing planning, recurring quarterly fees from $250 to $10,000, project-based fixed fees $500 to $10,000 or $250 hourly
Main office location
Plain Talk Financial Planning, LLC
Amesbury MA, United States
Number of offices
1
Most active in
Plain Talk Financial Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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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