Lazarus Financial Planning

As a fee-only registered investment advisor, the firm typically charges clients directly — often a percentage of assets under management, a flat retainer, or an hourly fee. It does not accept commissions or referral fees from third-party product providers, which removes the incentive to recommend high-cost investment or insurance products.

Yes. Registered investment advisors in the United States are held to a fiduciary standard under the Investment Advisers Act of 1940. This legally requires Lazarus Financial Planning to act in each client's best interest, to provide full and fair disclosure of material facts, and to avoid conflicts of interest — a higher standard than the suitability standard applied to broker-dealers.

The firm's public positioning points to individuals and families, a client segment that aligns with its emphasis on comprehensive financial planning. Its service model is designed for accumulators planning for retirement, professionals with equity compensation to manage, and retirees seeking sustainable withdrawal strategies.

The firm builds client portfolios using low-cost ETFs and mutual funds, a passive indexing approach grounded in modern portfolio theory. Portfolios are diversified across asset classes and geographies, with allocations tailored to each client's goals and risk tolerance. Tax efficiency and cost control are central to the strategy.

The firm is registered with the Securities and Exchange Commission or applicable state securities regulator, depending on its assets under management. It files Form ADV disclosures that are publicly available through the SEC's Investment Adviser Public Disclosure website, providing details on services, fees, disciplinary history, and ownership.