# Skaggs Financial Planning

Skaggs Financial Planning is an Asset Manager based in United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** United States
- **Region:** North America
- **Assets under management:** Undisclosed

## Regulatory record

- **CRD number:** 124216
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-30T00:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/124216

## About

SKAGGS FINANCIAL PLANNING, LLC is a state-registered investment adviser with $30 million in regulatory assets under management. The firm has 1 employee and 1 investment adviser. It operates with a single investment adviser.

## Questions

### Is Skaggs Financial Planning a fiduciary?

Yes. As a registered investment adviser (RIA), Skaggs Financial Planning must adhere to the fiduciary standard established by the Investment Advisers Act of 1940. This requires the firm to act in its clients' best interests on an ongoing basis, to disclose material conflicts of interest, and to prioritize client welfare above the firm's own revenue considerations. This standard is legally stricter than the suitability standard that governs broker-dealers.

### What is the firm's investment philosophy?

Small independent RIAs like Skaggs Financial Planning commonly employ a goals-based asset allocation framework that relies on low-cost mutual funds and exchange-traded funds to implement client portfolios. The philosophy tends to be evidence-driven, skeptical of market timing, and focused on minimizing internal investment costs. Portfolio construction emphasizes diversification across domestic and international equity, bonds, and cash-equivalent instruments aligned with each household's specific withdrawal needs.

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Last updated: 2026-06-03T20:00:00.000Z

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