# Reagan Financial Planning

Reagan Financial Planning is an Asset Manager based in Oxford, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Oxford, United States
- **Region:** North America
- **Assets under management:** Undisclosed
- **Website:** reaganfinancialplanning.com

## Regulatory record

- **CRD number:** 284103
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/284103

## About

Reagan Financial Planning, LLC is an independent fee-only financial planning and education firm devoted to helping families, individuals and small businesses reach their financial and life goals. The firm provides fee-only financial planning, consulting and education, including comprehensive planning, retirement planning, investment management, tax planning, estate planning, and small business guidance. It offers customized advice and ongoing coaching with periodic check-ups.

## Sectors

- Asset Management
- Wealth Management

## People

- John Reagan — Founder

## Questions

### What portfolio construction philosophy does the firm follow?

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.

### Does the firm manage assets on a discretionary basis?

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.

### What is the firm's minimum relationship size or fee structure?

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.

### How does the firm handle retirement-income planning differently from accumulation-focused advisors?

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.

## Related profiles

- [GetNinjas](https://altss.com/profile/reag-investimentos)
- [RealMeal](https://altss.com/profile/realmeal)

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Last updated: 2026-08-11T15:07:57.118Z

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