Florida Financial Planning

John P. O'Brien serves as President of the firm and has led the practice since its founding in 1982. The firm has not publicly disclosed any additional investment committee members or portfolio managers. Given the firm's small-footprint, single-advisor structure, O'Brien likely serves as the primary decision-maker for client portfolios.

Registered investment advisers in the United States operate under a fiduciary standard, which requires them to act in their clients' best interests. Florida Financial Planning is registered as an RIA with the state of Florida, subjecting the firm to this standard. The practice's fee-based model further aligns its incentives with client outcomes rather than transactional commissions.

The specific fee schedule is not publicly disclosed on the firm's website. Typical fee structures for firms of this size and vintage include a percentage of assets under management, hourly planning fees, or flat retainer fees for comprehensive financial planning. The firm's Form ADV, filed with Florida regulators, would contain the specific fee arrangement.

In 2016, the Florida Office of Financial Regulation issued a cease-and-desist order against the firm for failing to include required disclosure language in advertisements. The firm paid a $3,500 administrative fine and agreed to comply with advertising regulations (per Florida Office of Financial Regulation, 2016). No other significant regulatory actions appear on the firm's public record.

No succession plan has been publicly disclosed. John O'Brien has led the firm since 1982, and the practice does not list any additional advisors, junior partners, or next-generation leadership on its public-facing materials. For clients with long investment horizons, the absence of a visible succession structure is a notable operational characteristic.