Reagan Financial Planning

Yes. The firm's Form ADV filings with the SEC confirm that it operates as a fiduciary to every client, meaning it must place client interests ahead of its own. This applies across financial planning, investment management, and any consultation. The firm does not maintain a broker-dealer affiliate that would permit commission-based sales.

Reagan Financial Planning uses evidence-based portfolio construction rooted in Modern Portfolio Theory. Client portfolios primarily hold low-cost, broadly diversified index funds from institutional asset managers. The firm emphasizes global equity diversification paired with investment-grade fixed income allocations tailored to each client's withdrawal rate, risk capacity, and retirement horizon.

Yes. Regulatory filings indicate that Reagan Financial Planning maintains discretionary authority over client accounts when engaged for investment management. This allows the firm to execute rebalancing trades and tax-loss harvesting without requiring client approval for each transaction, while still operating within each client's documented investment policy statement.

Reagan Financial Planning does not publicly disclose a fixed asset minimum for new clients. As a fee-only firm, it charges directly for its services through flat planning retainers, project fees, or asset-based advisory fees rather than commissions. The Form ADV Part 2 brochure filed with the SEC contains the specific fee schedule available to prospective clients.

The firm's stated specialization is retirement-income distribution. Its process models sustainable withdrawal rates using Monte Carlo simulations that stress-test sequences of returns, inflation scenarios, and longevity assumptions. The practice coordinates required minimum distributions, Social Security claiming strategies, and tax-efficient liquidation sequencing across taxable, tax-deferred, and Roth account types.