Seamless Financial Planning

Seamless Financial Planning is a single-advisor registered investment adviser that provides comprehensive and limited-scope financial planning and discretionary portfolio management to individuals, high-net-worth clients, and other advisers. As of December 31, 2025 the firm reported approximately $9.12 million in discretionary assets under management across five client relationships and offers written or electronic financial plans alongside ongoing account supervision.

The firm emphasizes a passive, index-oriented investment approach, constructing diversified portfolios from low-cost index mutual funds and ETFs and implementing client-specific investment policy statements on a discretionary basis. It offers fee-only planning engagements on a fixed-fee basis in addition to AUM-based advisory services, and cites academic research and asset-allocation principles as the foundation of its process.

Compared with peers, the firm’s asset concentration and very small client base — roughly $9.1 million across five clients — suggest a focus on a few larger relationships rather than many small retail accounts. The principal’s background in accounting and as a former corporate CFO informs services such as business planning, employee benefit optimization, and tax-aware advice, and the firm requires clients to custody assets at Charles Schwab while participating in Schwab’s institutional program and associated soft-dollar and operational benefits.