Qualified Planning

Qualified Planning provides investment advisory services primarily to individual clients, and also to pension/profit-sharing plans and corporations. The firm offers discretionary model portfolio management, a manager-of-managers program that selects and monitors third‑party asset managers, and written financial planning engagements.

The firm’s investment approach emphasizes passive, asset‑allocation-driven portfolios built mainly from exchange‑traded funds and mutual funds; Qualified Planning maintains ten core model portfolios and manages accounts to match stated objectives and risk tolerances. Portfolios are rebalanced and reviewed periodically, and some models may incorporate annuities as an asset class to reduce capital loss and volatility; the firm also places clients with third‑party managers when appropriate and monitors their performance.

A feature that distinguishes Qualified Planning from many peer team firms is that its management and associated persons are separately licensed as insurance agents and brokers through an affiliated general insurance agency (Dunhill Marketing & Insurance Services, Inc.), and the brochure discloses that those representatives may receive customary commissions for insurance or annuity products. The firm discloses and documents these relationships and related conflicts of interest and describes processes (including written disclosures and ongoing oversight) intended to address them.