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CADENCE PLANNING
CADENCE PLANNING is a Phoenix-based RIA offering fiduciary asset management and financial planning for individuals and families.
CADENCE PLANNING
Cadence Planning, LLC is registered in Arizona as an investment adviser, providing portfolio management and financial planning services. The firm's registration with the SEC or state authorities establishes its fiduciary duty to clients, meaning it is legally obligated to place client interests first. Its client base includes individuals and high-net-worth families, with a service model that integrates investment strategy with broader financial planning. The firm offers tailored asset allocation primarily through publicly traded securities, including equities, fixed income, and mutual funds or ETFs. Cadence Planning does not operate proprietary funds or manage private alternative investments. Its investment philosophy centers on risk-managed portfolio construction designed to meet client-specific goals rather than benchmark-relative performance targets. Geographic reach is domestic, centered on Arizona. The firm's scale is modest, consistent with a planning-led registered investment adviser serving a local client base. Cadence Planning maintains no disclosed institutional co-investment vehicles, philanthropic foundations, or club-membership networks. As a fee-based advisory practice, it generates revenue through assets-under-management fees and, in some cases, fixed planning retainers. Cadence Planning's structural differentiator is its dual registration and planning-first mandate, operating as a fiduciary rather than a broker-dealer. Its business does not depend on transaction commissions, which reduces conflicts of interest in product selection. Unlike multi-family offices with direct-deal capabilities, the firm's architecture is designed for liquid-market portfolio management and personal financial planning.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Phoenix
Corporate office
Phoenix, AZ, United States
Frequently asked questions
Is Cadence Planning a single-family office or a registered investment adviser?
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.
Does Cadence Planning manage private investments or direct deals?
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.
Who makes investment decisions at Cadence Planning?
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.
What is Cadence Planning's investment philosophy?
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.
How does Cadence Planning charge for its services?
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.
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