# Fluid Financial Planning

Fluid Financial Planning is an other based in Columbus, United States.

## Overview

- **Organization type:** other
- **Headquarters:** Columbus, United States
- **Region:** North America
- **Address:** Hoboken, NJ, United States
- **Assets under management:** Undisclosed
- **Website:** fluidfinancialplanning.com

## Regulatory record

- **CRD number:** 285570
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/285570

## About

Fluid Financial Planning, LLC is a state-registered investment adviser in Columbus, GA. The firm manages approximately $20 million in regulatory assets. It has 1 employee and 1 investment adviser.

## People

- Graham Klatt — Founder and Managing Director

## Questions

### 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.

### 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.

## Related profiles

- [Lakeville Capital Management](https://altss.com/profile/lakeville-capital-management)
- [Balfour Capital Management](https://altss.com/profile/balfour-capital-management)

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Last updated: 2026-06-03T20:00:00.000Z

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