Think Different Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$141,525,076
Clients
45
91% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
45
HighAverage account size
$3,145,002
About
Think Different Financial Planning provides wealth management and financial planning services to individual and high-net-worth clients, managing roughly $141.5 million for about 45 clients. The firm offers ongoing comprehensive planning, project-based planning, and discretionary portfolio management while generally avoiding recommendations of individual stocks or bonds.
The firm’s investment approach emphasizes passive, index-based strategies grounded in the Efficient Market Hypothesis and Modern Portfolio Theory, with primary use of mutual funds and exchange-traded funds to construct diversified portfolios. TDFP also recommends and, when appropriate, implements third‑party money managers and customized index portfolios through providers such as GeoWealth, SmartHarvest, and Aperio to execute client strategies.
A distinguishing feature of the firm is its non‑percentage fee model: the brochure states the firm does not charge advisory fees based on a percentage of assets under management and positions that structure as a way to reduce conflicts associated with asset-gathering. The firm also notes a recent material filing step—having applied for SEC registration as a large advisory firm—and combines a relatively small client roster with substantial assets under management, which may reflect a concentrated client service model.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Tax-loss harvesting
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Charitable giving & philanthropy
Fee options
$15,000 annually for Wealth Management; $13,500 annually for Ongoing Comprehensive Financial Planning, paid quarterly in advance.
$0 - $10,000,000: $15,000 annual flat fee plus $1,500 annual third-party manager fee included $10,000,000+: $15,000 base fee plus additional $1,500 third-party manager fee, examples provided show $16,500 total fee for $12,000,000 assets $250,000+: 0.20% annual asset-based fee for customized index portfolios built by SmartHarvest or Aperio (in addition to TDFP’s advisory fee)
$325 per hour, depending on complexity, for project-based financial planning.
Account minimum: $250,000 Minimum fee: Flat annual fees of $15,000 for Wealth Management and $13,500 for Ongoing Comprehensive Financial Planning, both paid quarterly in advance. Fee-only: Flat fees as described above; no commissions accepted.
Main office location
Think Different Financial Planning
Menlo Park CA, United States
Number of offices
2
Most active in
Think Different Financial Planning has reported serving >5 clients in these states in the last 12 months.
California · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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