Rain or Shine Planning, LLC

Rain or Shine Planning is a fee-only registered investment adviser that serves individual clients, including both high-net-worth and non‑HNW households, managing roughly $58.4 million across about 63 client relationships with a two-advisor team. The firm offers combined investment management and ongoing financial planning, project‑based planning, held‑away account review, and educational seminars and speaking engagements.

The firm’s investment work is grounded in asset‑allocation principles, using stocks, bonds, mutual funds, ETFs and cash, with an emphasis on passive strategies and the option to incorporate socially responsible investments at a client’s request. Engagements commonly pair ongoing portfolio oversight with one‑on‑one planning, the firm accepts discretionary authority for many accounts while permitting client‑imposed restrictions and non‑discretionary arrangements when requested.

Compared with many peers, Rain or Shine Planning provides public educational seminars and speaking engagements—offered free of charge and delivered virtually or in person—which the brochure describes as purely educational rather than a venue for individualized advice. The small-team structure is supported by advisors who hold planning and accounting credentials, the firm custodies client assets at an institutional Schwab platform, and it discloses limited custody arrangements arising from standing letters of authorization for certain clients.