Remedios Financial Planning

Remedios Financial Planning is a fee‑only independent advisory firm that serves individual clients seeking comprehensive financial planning and investment consultation across areas such as cash flow and budgeting, retirement and distribution strategies, tax and estate planning, employee benefits, education funding, and risk management. Services are provided on an hourly or project basis, and the firm also offers periodic educational workshops on general personal finance and socially responsible investing.

The firm’s investment work is nondiscretionary and focused on consultation and allocation recommendations rather than ongoing portfolio management; analysis typically relies on fundamental research and Modern Portfolio Theory with mutual funds and ETFs and a long‑term, buy‑and‑hold posture with periodic rebalancing. Planning and implementation are handled collaboratively with clients, and the advisor coordinates with outside professionals (e.g., attorneys or accountants) when appropriate.

Distinctive features include the offering of educational seminars to the public and a business model that does not maintain reportable assets under management, does not act as a portfolio manager for individual client accounts, and does not use percentage‑of‑AUM fee arrangements — instead relying on hourly and project fees and occasional per‑session workshop charges. The firm emphasizes fiduciary obligations (including adherence to CFP® practice standards and a NAPFA fiduciary oath), rejects commission‑based and performance‑based compensation, and has policies intended to mitigate conflicts of interest associated with a solo practitioner model.