WTF Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,359,500
Clients
28
0% high-net worth
Advisors
1
of 1 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
28
TypicalAverage account size
$155,696
About
WTF Planning provides financial planning and investment advisory services to individual clients, covering retirement planning, college savings, cash flow and debt management, estate and incapacity planning, business planning, tax‑aware investment analysis, and occasional educational seminars. The firm implements portfolios by recommending third‑party outside managers—most commonly Betterment Securities—and offers both one‑time and ongoing comprehensive planning engagements.
The firm’s investment approach is primarily passive, constructing asset‑class‑weighted portfolios using index mutual funds and ETFs and conducting ongoing due diligence and monitoring of the outside managers’ holdings and strategies. Uncommonly for independent advisers, much of WTF Planning’s assets are managed on a non‑discretionary basis: the firm assists with allocation selection and manager setup but typically does not maintain trading discretion over client accounts.
WTF Planning relies on the Betterment for Advisors platform for custody, execution, and a suite of support services that the firm discloses as providing operational and practice‑management benefits to the adviser. The firm structures its comprehensive planning as an ongoing subscription with regular planner access (at least twelve hours annually) and, for investment management clients, does not routinely produce separate written portfolio reports beyond the financial planning deliverables.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
Comprehensive Financial Planning upfront fee $1,000 to $2,000; ongoing monthly fee $100 to $300
$1+: 0.25% annual WTFP advisory fee $1+: 0.25% annual Outside Manager’s fee
$150.00 to $250.00 per hour depending on complexity
Main office location
WTF Planning
Portland OR, United States
Number of offices
1
Most active in
WTF Planning has reported serving >5 clients in these states in the last 12 months.
Oregon
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.
Forms ADV
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