Team Financial Planning

The firm operates as a fee-only advisor, meaning compensation comes directly from clients rather than from commissions on financial products. According to regulatory filings, the firm charges fees structured as a percentage of assets under management, fixed fees for specific planning engagements, and hourly rates for consultative work. This model removes the incentive conflict associated with commission-based brokerage relationships, though investors should still review the specific fee schedule for any account type before engaging.

Yes. Team Financial Planning's Form ADV filings confirm the firm accepts discretionary authority over client accounts, meaning the advisor can execute trades and rebalance portfolios without obtaining client approval for each transaction. The firm also offers non-discretionary advisory arrangements where clients retain final decision authority. The choice between discretionary and non-discretionary mandates is established in the investment advisory agreement at the outset of the relationship.

The firm blends active and passive investment strategies, selecting individual equities and fixed-income instruments alongside third-party mutual funds and ETFs. Regulatory disclosures indicate the firm uses research from institutional-grade providers to inform security selection. For clients who qualify as accredited investors, the firm sponsors private investment partnerships that pursue concentrated equity strategies, though these vehicles operate separately from the standard advisory platform.

The firm's private pooled vehicles are available only to qualified clients who meet accredited investor or qualified purchaser thresholds. These funds typically employ a concentrated long-only equity mandate and charge both a management fee and a performance-based allocation. Because the funds are private placements, liquidity is limited, with redemption terms specified in each fund's offering documents. This represents a separate and distinct investment option from the firm's core wealth management advisory services.

All investment advisor representatives operate as supervised persons of the firm's central RIA entity, not as independent contractors. Licensing records show personnel holding Series 65 and Series 7 qualifications, with some individuals also maintaining state insurance licenses for integrated planning work. This employment model centralizes compliance oversight and investment policy, with representatives executing firm-wide investment committee decisions for discretionary client portfolios.

Regulatory filings indicate the firm maintains advisory registrations across multiple US states, enabling it to serve clients beyond a single-office footprint. Representatives operate from several branch locations, each authorized to deliver planning and investment management services in their respective regions. Prospective clients should confirm that the firm holds current registration in their state of residence before entering into an advisory agreement.

As with all registered investment advisors, the firm must disclose any legal, regulatory, or disciplinary events involving the firm or its supervised persons in its Form ADV Part 2 brochure. Additionally, the firm must describe material conflicts of interest, including any compensation received from third parties or the sale of proprietary products. Investors should request and review the current Form ADV before establishing a relationship, as these documents provide the most comprehensive disclosure on firm practices and potential conflicts.