Thrifty Scotty Financial, LLC

The firm provides investment management and a range of financial planning services to individual and high‑net‑worth clients, including retirement planning, cash‑flow and debt analysis, college savings, business planning, estate planning, and risk management. Clients receive written or electronic financial plans and ongoing implementation support through comprehensive, project‑based, or hourly engagements.

The firm’s investment approach emphasizes passive portfolio construction using index mutual funds and ETFs, supported by fundamental and cyclical analysis and quarterly account reviews to align portfolios with stated objectives and tax considerations. Uncommonly for its peer group, it manages accounts primarily on a non‑discretionary basis—reporting roughly $4.06 million in non‑discretionary assets—and requires client authorization before effecting trades or portfolio changes.

What is distinctive about the firm is its fee model: advisory services are billed via a flat‑fee schedule rather than a percentage‑of‑AUM, and planning work is offered with upfront, fixed‑project, or hourly arrangements; the firm does not charge performance‑based or wrap fees and disclaims acceptance of third‑party sales compensation. The firm also recommends a custodian through an institutional custody program, does not typically aggregate trades across accounts, and limits custody activity to fee debits rather than broad custodial control.