Quality Financial Planning LLC

Quality Financial Planning LLC is an independent, single‑advisor registered investment adviser that provides discretionary asset management, comprehensive financial planning and retirement‑plan advisory services to individuals and small plan sponsors. The firm reports approximately $1.55 million in discretionary assets under management across eight client relationships and includes a written financial plan as part of its services at no additional charge.

Portfolios are constructed to reflect each client’s stated goals, time horizon and risk tolerance, using a combination of fundamental and technical analysis and discretionary trading authority; the firm may engage sub‑advisors or recommend third‑party managers and monitors their performance on an ongoing basis. For employer retirement plans, the firm offers both limited‑scope ERISA 3(21) fiduciary services and full discretionary 3(38) investment‑manager services, with investment policy statements and plan‑specific exclusions documented in the plan agreement.

What distinguishes this firm from many peers is its material affiliation with an insurance‑agency business—its principal devotes roughly 30% of time to insurance activities and receives typical commission compensation—and its explicit pension consulting practice, both of which are less common among independent solo advisers. The firm also maintains retirement‑focused credentials (RICP and RSSA), relies on referral and fee‑sharing arrangements with third‑party managers, and discloses these economic relationships and related mitigation measures in its brochure.