CADENCE PLANNING

Cadence Planning, LLC is structured as a registered investment adviser (RIA), not a single-family office or private investment firm. As an RIA, it serves multiple external clients under a fiduciary standard. The firm's regulatory filings with the SEC or state securities authorities confirm this advisory structure and its obligation to act in clients' best interests when providing portfolio management and financial planning services.

Cadence Planning's investment focus is on publicly traded securities — no public disclosures indicate participation in direct private equity, venture capital, or real estate co-investments. The firm constructs portfolios using individual equities, bonds, and packaged products like mutual funds and ETFs. Allocators seeking exposure to alternative assets or direct deals will find Cadence Planning's capabilities concentrated in liquid public markets.

Investment decisions are typically made by the firm's named investment adviser representatives, whose professional backgrounds are detailed in regulatory filings such as the SEC's Form ADV Part 2B brochure. These filings disclose each adviser's education, business experience, and any disciplinary history. Without such disclosures, an allocator should request the firm's current Form ADV Part 2B to identify the specific individuals responsible for portfolio construction and client advisory.

Cadence Planning's philosophy is rooted in goal-based, risk-managed investing rather than chasing market benchmarks. The firm emphasizes a planning-first approach, where investment strategy derives from each client's time horizon, liquidity needs, and risk tolerance. Portfolios are typically diversified across asset classes using low-cost vehicles, reflecting a fiduciary preference for efficiency over speculation.

Cadence Planning operates on a fee-based model, charging clients a percentage of assets under management or fixed planning fees, a standard practice among fiduciary RIAs. This structure differs from commission-based brokerage models by aligning the firm's revenue with portfolio growth and client retention rather than transaction volume. Explicit fee schedules are disclosed in the firm's Form ADV Part 2A, which it must provide to prospective clients.