Impact Financial Life Planning

The firm constructs client portfolios using publicly available securities — primarily mutual funds, exchange-traded funds, and individual bonds — within separately managed accounts custodied at third-party institutions. Impact Financial Life Planning does not sponsor proprietary pooled investment vehicles, hedge funds, or private equity funds. Its Form ADV filings and public disclosures contain no reference to direct co-investment programs, private placements, or institutional share classes.

No. The firm's regulatory disclosures and service descriptions do not reference direct investments in private companies, real estate joint ventures, venture capital, or private credit. Its investment implementation relies on liquid, publicly traded securities. The firm's stated focus is financial planning and retirement-income management, not sourcing or executing private-market transactions.

Impact Financial Life Planning operates as a registered investment advisor under the regulatory jurisdiction of the U.S. Securities and Exchange Commission or the securities regulator of its state of registration, depending on its regulatory assets under management. RIA status requires the firm to adhere to fiduciary standards and file Form ADV disclosures, which are publicly accessible through the SEC's Investment Adviser Public Disclosure database.