Spring Financial Planning

Spring Financial Planning serves individuals, high‑net‑worth clients, and small businesses with customized financial planning and investment consultation across areas such as retirement and distribution strategies, tax and estate plan reviews, college funding, risk management, divorce planning, and business consulting. The firm also offers periodic complimentary educational workshops and can assist with coordination among custodians, attorneys and other outside professionals during implementation.

The firm’s investment approach is grounded in Modern Portfolio Theory and a passive, long‑term buy‑and‑hold allocation using indexed mutual funds and ETFs with periodic rebalancing, but it does not provide ongoing discretionary portfolio management or take custody of client assets. Advice and portfolio recommendations are delivered on a non‑discretionary basis, leaving implementation and trade execution under the client’s control and often completed through the client’s chosen service providers.

Notable differences from many peers include a planning‑first operating model that does not rely on percentage‑of‑assets under management fees and reports no assets under management, opting instead for engagement‑based billing; this fee structure and the absence of ongoing portfolio supervision are less common among independent advisory firms. The firm also discloses an explicit policy against receiving commissions or third‑party compensation and emphasizes education and one‑on‑one planning support rather than wrapped portfolio programs.