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Fluid Financial Planning
Graham Klatt's Fluid Financial Planning is an advice-only RIA serving entrepreneurs and real estate investors from Hoboken, NJ.
Fluid Financial Planning
Fluid Financial Planning operates as a boutique registered investment advisor based in Hoboken, New Jersey. Graham Klatt established the firm to provide comprehensive financial planning on a flat-fee or subscription basis, deliberately avoiding assets under management as the primary revenue driver. The firm's client base centers on business owners, real estate professionals, and individuals with equity compensation who need coordinated tax planning, cash flow modeling, and liability management rather than portfolio management. Instead of picking stocks or allocating to funds, the firm advises on the full financial picture. Core engagements cover equity compensation analysis for startup employees, cash flow and debt structuring for real estate investors, and tax strategy coordination alongside a client's CPA. Klatt has written publicly on Roth conversion ladder strategies and pro forma modeling for rental property acquisitions, indicating a technical, planning-centric approach. The firm does not participate in direct venture investments, fund commitments, or qualified purchaser club deals — its posture is strictly advisory. The practice remains purposefully lean, with Klatt listed as the primary advisor. No institutional team metrics or external capital partners have been disclosed. There is no record of adjacent vehicles, philanthropic foundations, or real asset arms operating under the brand. As of early 2025, the firm continues to publish planning commentary through its blog, focusing on topics such as mega backdoor Roth strategies and sustainable withdrawal rates for early retirees. Fluid Financial Planning's structural distinction is its explicit rejection of the AUM model in favor of advice-only retainer relationships. For a client with a $5 million net worth split between illiquid real estate holdings and concentrated startup equity, the firm proposes a three-engagement annual plan rather than seeking to custody assets. This architecture makes it a planning boutique, not an allocator — institutional allocators profiling the firm would find no fund vehicles to diligence and no co-investment pipeline to access.
General information
Firm type
other
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Hoboken
Corporate office
Hoboken, NJ, United States
Principals
Graham Klatt
Founder and Managing Director
Frequently asked questions
Does the firm manage assets or just provide planning advice?
Fluid Financial Planning operates on an advice-only, fee-for-service basis. It does not custody client assets, manage portfolios, or earn revenue from assets under management. The engagement model is typically flat-fee or subscription-based financial planning, covering tax strategy, cash flow analysis, and equity compensation planning. This structure is documented through the firm's own public descriptions of its service model.
Who makes strategic decisions at the firm?
Graham Klatt is the founder and Managing Director of Fluid Financial Planning. He is the sole named principal and appears to operate the practice independently. No additional partners or investment committee have been disclosed. All published planning commentary and client-facing material are attributed to Klatt.
What types of clients does Fluid Financial Planning typically work with?
The firm's stated focus is on business owners, real estate investors, and professionals with significant equity compensation packages. Published content frequently addresses tax planning for startup employees holding ISO or NSO stock options, rental property cash flow modeling, and early retirement withdrawal strategies. Ultra-high-net-worth multigenerational families do not appear to be a primary target demographic.
Does Fluid Financial Planning have access to private investment opportunities?
No. Fluid Financial Planning is a planning boutique, not a capital allocator. The firm does not source direct venture deals, maintain a fund-of-funds program, or operate a co-investment club. Its value proposition is guidance on a client's existing financial picture rather than new investment placement. Institutional allocators and GPs would find no deal pipeline to diligence at this firm.
Is the firm affiliated with a larger wealth management platform or broker-dealer?
Fluid Financial Planning holds its own RIA registration and presents as an independent practice. No corporate parent, holding company, or broker-dealer affiliation has been disclosed. This is consistent with an solo practitioner model, though the firm's Form ADV would be the definitive source for confirming regulatory structure and any third-party affiliations.
How does the firm charge for its services?
The firm markets a flat-fee or subscription retainer model rather than the common assets-under-management percentage fee. Published commentary explicitly critiques the conflict-of-interest potential in AUM-based billing. Specific fee schedules are not publicly posted, but the advice-only positioning means fees are not tied to account balances.
Has the firm raised or deployed institutional capital?
No evidence suggests Fluid Financial Planning has ever raised, managed, or deployed institutional capital. The firm does not operate a venture fund, real estate fund, or private investment vehicle. The practice is structured purely as a financial advisory service for individual and household clients.
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