AB Financial Planning and Investments

As a registered investment advisor in the United States, the firm is legally bound by a fiduciary duty to act in its clients' best interests when providing investment advice. This standard requires disclosing conflicts of interest and prioritizing client needs above the firm's own financial interests.

RIAs of this type commonly charge fees based on a percentage of assets under management, though flat retainer fees or hourly billing for standalone financial plans are also possible. The specific fee schedule is normally disclosed in the firm's Form ADV Part 2A, which must be provided to prospective clients.

No. Independent RIAs do not hold client assets themselves; they engage a qualified custodian, such as Charles Schwab, Fidelity, or Pershing, to safeguard client funds and securities. The firm manages portfolios on a discretionary or non-discretionary basis via authorization on those externally held accounts.

Without published materials, the approach is not publicly documented. Most independent planners in this segment construct portfolios from low-cost ETFs and mutual funds, sometimes complemented by individual bonds, to implement a strategic, risk-appropriate asset allocation aligned with each client's financial plan.

There is no public evidence that AB Financial Planning and Investments serves institutional investors such as pensions, endowments, or foundations. Its name and regulatory posture align with a retail-focused financial planning practice serving individuals and families.