Sound Planning and Investments, LLC

Sound Planning & Investments, LLC is a Connecticut-registered, single-advisor investment advisory firm that provides non-discretionary investment management, ongoing portfolio supervision and reporting, financial planning, and consulting to individual clients (including high-net-worth individuals) and small businesses. The firm manages approximately $99 million in client assets across a modest client base and offers written financial analyses and ongoing monitoring as part of its services.

SPI’s investment process emphasizes asset-allocation construction using fundamental and technical analysis and implements portfolios across a broad set of asset classes — including equities, fixed income, mutual funds/ETFs, REITs, private equity interests, commodities and annuities — with a long-term orientation and periodic rebalancing. Because accounts are managed on a non-discretionary basis, the adviser recommends allocations and specific securities but seeks client authorization before effecting trades and provides consolidated statements and at least annual reviews.

What distinguishes SPI from many independent peers is its primary use of a non-discretionary management model — a practice that is relatively uncommon among independent advisers and leaves clients with direct control over trade execution and proxy voting. The firm also discloses several operational choices that differ from typical practices, including not aggregating client orders, the potential to participate in wrap programs or recommend other registered advisors (with disclosed compensation arrangements), and a policy of not voting client proxies.