Holistic Financial Partners

The firm operates as a registered investment adviser (RIA), which legally obligates it to a fiduciary standard in client interactions. Its Form ADV filing confirms independence from broker-dealer and insurance company affiliations, eliminating product-sale conflicts. The RIA structure requires it to prioritize client interests in all investment and planning recommendations.

The firm applies a strategic asset allocation methodology, primarily constructing portfolios with low-cost ETFs and mutual funds. Portfolio management focuses on aligning client risk tolerance with broad market exposure, complemented by regular rebalancing. The strategy emphasizes retirement income planning and long-duration total return objectives.

Retirement distribution planning integrates Social Security claiming strategies, required minimum distribution management, and sustainable withdrawal rate analysis. The planning process evaluates tax-efficient withdrawal sequencing across taxable, tax-deferred, and tax-free account types. The firm coordinates with client CPAs and estate attorneys to formalize income plans.

The firm's core clientele includes individuals and families focused on retirement planning and wealth management. This typically encompasses pre-retirees and retirees with investable assets, as well as high-net-worth households managing multi-generational wealth transfer needs. The practice does not operate institutional or pension consulting service lines.

Holistic Financial Partners employs an assets-under-management fee model as its primary compensation structure, where fees are debited directly from managed accounts. Alternative engagement structures may include fixed-fee financial planning or hourly consultation arrangements. All fee schedules are disclosed in the firm's public Form ADV Part 2A filing.