Incline Financial Planning

Yes. As a fee-only registered investment advisor, Incline Financial Planning is legally required to act as a fiduciary for its clients at all times. This means the firm must put client interests ahead of its own, disclose any conflicts of interest, and cannot earn commissions or referral fees from product sales. This standard is materially different from the suitability standard that governs broker-dealer relationships.

The firm operates on a fee-only model, charging clients directly for financial planning and investment management services. Typical fee structures for firms of this type include a percentage of assets under management, hourly consulting fees, or flat retainer arrangements. No commissions, referral fees, or revenue-sharing arrangements with fund companies or custodians are collected, which eliminates a common source of hidden compensation in advisory relationships.

Incline Financial Planning primarily serves individual investors and families seeking comprehensive financial planning and discretionary investment management. The firm's stated focus on financial planning — particularly cash-flow modeling and retirement distribution strategies — suggests a client base that skews toward pre-retirees and retirees navigating the decumulation phase of their financial lives.

Investment decisions are typically made by the firm's principal advisors under a discretionary management agreement. The firm does not operate a proprietary fund or separate institutional vehicle. Portfolio construction relies on asset allocation models built around low-cost ETFs and mutual funds, tailored to each client's risk profile, rather than individual security selection or alternative investments.

No. Incline Financial Planning is an independently owned registered investment advisor. It is not a subsidiary of a bank, insurance company, or private-equity-backed consolidator. This independence means the firm can select custodians, technology platforms, and investment products without corporate-level conflicts, and its succession or ownership transition path has no external institutional overhang.