Bulldog Financial Planning

As a fee-only registered investment adviser, Bulldog Financial Planning charges clients directly for services — typically an annual percentage of assets under management, hourly fees, or flat retainer fees. The firm does not earn commissions or transaction-based compensation, which removes the product-sales incentive that characterizes broker-dealer models.

The firm constructs portfolios using low-cost exchange-traded funds and mutual funds, emphasizing passive and factor-based strategies. It does not operate its own proprietary fund vehicles or engage in direct co-investment or private-equity fund commitments; client accounts are managed as individually directed, separately managed accounts held at an independent custodian.

Bulldog Financial Planning's service model is built around individual and high-net-worth family clients, not institutional investors. Its offering combines discretionary portfolio management with comprehensive financial planning — covering retirement, education funding, and estate planning — which is a service bundle tailored to individual rather than institutional mandates.

Investment decisions are made internally by the firm's advisers rather than outsourced. As a small practice, management is concentrated in a lead adviser who constructs and rebalances model portfolios across asset classes, with additional team members focused on client-advisory and planning functions.

Yes. As a registered investment adviser, Bulldog Financial Planning operates under a fiduciary standard — legally obligated to put client interests ahead of its own. This is a higher standard than the suitability rule that applies to broker-dealers, and it governs both the firm's investment advice and its ongoing portfolio management.