Vessel Financial Planning LLC

The firm offers asset management and complementary financial planning services to individual and high‑net‑worth clients, providing continuous supervision of custodial accounts alongside both project‑based and ongoing planning engagements. It manages across equities, fixed income, mutual funds, exchange‑traded funds, and REITs, and — as a newly registered adviser in 2026 — reported no assets under management or clients at the time of the brochure.

Investment decisions combine fundamental analysis and modern portfolio theory with a predominantly long‑term orientation, and accounts can be managed on a discretionary basis when the client provides written authorization. Recommendations are tailored to each client’s income, net worth, and risk tolerance, allow reasonable client‑imposed investment restrictions, and include periodic reviews (accounts at least annually; ongoing plans with monthly or quarterly updates).

Noteworthy features relative to peers include a principal who holds CFP®, CIMA®, and Behavioral Financial Advisor credentials, an explicit firm policy not to vote client proxies, and the use of standing letters of authorization that may create deemed custody (with the related controls described in the brochure). The firm also discloses insurance‑licensing among associates (with a stated policy that associates will not implement insurance sales), reliance on custodians that provide research and practice‑support services, and an absence of wrap‑fee or performance‑based fee arrangements.