Action Financial Planning

The firm provides comprehensive financial planning and investment management services. Its planning scope typically covers retirement income strategies, tax-aware portfolio construction, education funding, and risk management. Investment management involves constructing and rebalancing diversified portfolios aligned with each client's long-term objectives.

As a fee-only Registered Investment Adviser, Action Financial Planning charges clients based on a percentage of assets under management. This fee structure removes commission-based conflicts of interest. Clients pay explicitly for advisory and planning services rather than through embedded product costs.

The firm employs a goals-based investment methodology rooted in modern portfolio theory. Portfolios are constructed using diversified, low-cost vehicles such as index mutual funds and ETFs across multiple asset classes. The approach emphasizes strategic asset allocation, periodic rebalancing, and long-term discipline rather than market timing.

Action Financial Planning focuses on individual clients and families rather than institutional mandates. Its service model is built around personal relationships and customized household-level financial planning. The firm does not manage pension funds, endowments, or corporate accounts.

As a Registered Investment Adviser, the firm is held to a fiduciary standard under the Investment Advisers Act of 1940. This requires acting in clients' best interests at all times, disclosing material conflicts, and providing suitable advice. The fiduciary duty is a higher standard than the suitability requirement applied to broker-dealers.