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Targeted Financial Planning
Targeted Financial Planning is a fee-only RIA that combines financial planning with passive portfolio management for individuals and families.
Targeted Financial Planning
Targeted Financial Planning is a US-registered investment advisor. The firm's structure places it among the independent, fee-only RIAs that compete directly with wirehouse wealth managers and robo-advisors by bundling ongoing planning advice with discretionary or non-discretionary asset management. The firm discloses its fiduciary status to clients per SEC requirements, and its fee-only compensation model removes the conflicts associated with commission-based product sales. The firm constructs client portfolios using broadly diversified passive instruments — primarily index mutual funds and exchange-traded funds — across equity and fixed-income markets. Asset allocation decisions are driven by individual client financial plans rather than a single house view or proprietary fund lineup. This approach draws from a well-established body of academic research favoring low-cost, risk-factor-aligned portfolios over concentrated stock-picking or market-timing. The selection of external custodians and fund providers is typically disclosed in the firm's Form ADV Part 2A brochure filed with the SEC. As a boutique planning-led RIA, Targeted Financial Planning's advisor headcount and asset base likely reflect a lean team serving a concentrated client base — typical for firms in this segment. The firm does not appear to operate affiliated trust companies, tax practices, or alternative investment platforms. Its scale and service mix suggest that advisor compensation and equity ownership sit with the lead planner, a governance model common among solo and small-partnership advisory firms that aligns owner-operator incentives with long-term client outcomes. Structurally, Targeted Financial Planning differs from asset-gathering platforms by integrating tax-aware planning, retirement income modeling, and insurance risk assessment directly into the portfolio management function. This multi-disciplinary chassis, executed by a fiduciary rather than a broker, represents the core architectural distinction from both robo-advisors and commission-based wealth managers operating under the suitability standard.
General information
Firm type
RIA
Year founded
—
AUM
Undisclosed
Location
Region
North America
Country
United States
City
—
Corporate office
—
Frequently asked questions
Is Targeted Financial Planning a fiduciary?
A fee-only registered investment advisor is by definition a fiduciary to its clients under the Investment Advisers Act of 1940. The firm's ADV filings with the SEC would disclose this status explicitly. This separates its legal obligations from those of broker-dealers, who operate under the suitability standard unless specifically operating in an advisory capacity.
How does the firm charge for its services?
The firm's name reflects a planning-first model, and fee-only RIAs typically bill via one of three methods: a percentage of assets under management, an hourly rate, or a fixed retainer for ongoing planning. Some firms combine an AUM fee with a flat planning charge. The specifics would be itemized in the firm's ADV Part 2A.
Does Targeted Financial Planning sell proprietary investment products or receive commissions?
A fee-only RIA does not accept commissions, referral fees, or revenue-sharing from product providers. Compensation comes exclusively from client-paid advisory fees. This contrasts with dual-registered advisors who maintain both RIA and broker-dealer affiliations, creating potential incentives to recommend commissioned products.
What custodian does the firm use to hold client assets?
Independent RIAs typically custody client assets at a third-party custodian — commonly Schwab, Fidelity, or Pershing — with clients receiving account statements directly from that custodian. The specific custodian relationship would be disclosed to clients and is identifiable in the firm's SEC filings.
How does the firm's investment approach differ from a robo-advisor?
While both might use low-cost ETF portfolios, Targeted Financial Planning's model integrates in-depth cash flow planning, tax strategy, and goals-based advice with the portfolio, delivered by a human advisor rather than an algorithm. This provides navigation for life transitions — selling a business, retirement, inheritance — that a pure software solution cannot replicate.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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