Welch Financial Planning, LLC

Welch Financial Planning & Insurance, LLC is an SEC‑registered advisory firm that works primarily with individual and high‑net‑worth clients, delivering discretionary portfolio management with an emphasis on retirement investing and income generation. The firm also integrates financial planning into its investment management for clients meeting its $1,000,000 investable‑asset threshold, and offers stand‑alone planning and coaching for other individuals.

Investment decisions are driven by a customized financial plan and often employ a “Bucket System” that segregates assets by short‑, medium‑, and long‑term goals; the firm uses a mix of fundamental, technical, quantitative, and asset‑allocation analysis when constructing portfolios. Accounts are typically managed on a discretionary basis and the firm uses third‑party technology such as the Pontera platform to review and rebalance held‑away participant accounts (401(k), 403(b), etc.).

The firm’s ADV discloses several features that are less common among similar supported firms: an affiliated tax‑preparation business (Welch Tax Services, LLC), an estate‑planning capability delivered through the Wealth.com platform, and a program of periodic educational seminars (the brochure notes a third‑party marketing firm charges $49 per class). The brochure also indicates the use of endorsements and testimonials in advertising and describes various marketing and referral arrangements, practices that are relatively uncommon among peers.