Thinking Big Financial

Thinking Big Financial provides holistic financial planning and discretionary investment management to individuals — including high‑net‑worth clients — and small businesses. The firm reports managing about $93 million across roughly 93 client relationships and offers continuous planning access, retirement and tax planning, estate and education planning, and business planning services.

The firm’s investment approach centers on asset allocation and passive investing using index mutual funds and ETFs, with tactical adjustments and the occasional individual equity holding when suited to a client’s objectives. Portfolios are built from client‑specific investment policy statements, monitored on an ongoing basis, and formally reviewed monthly and annually to address life events and changing goals.

Noteworthy distinctions include that Thinking Big does not rely on percentage‑of‑AUM advisory fees and instead uses a planning fee model and does not participate in wrap or performance‑based fee programs. The firm executes trades on an individual‑account basis rather than block trading, recommends a single custodian platform (disclosing the services it receives from that provider), and states it receives no third‑party compensation or related‑party referrals.