Trajectory Financial Planning

Trajectory Financial Planning is an independent advisory practice offering goal-based planning and personalized investment management to individual...

Trajectory Financial Planning

Trajectory Financial Planning is structured as an independent registered investment adviser (RIA) or a similarly positioned planning-led practice, serving individual clients through comprehensive financial planning and discretionary or non-discretionary asset management. The firm's focus is on constructing portfolios that align with client-specific life goals — retirement, education funding, or major purchases — rather than pursuing benchmark-relative returns. Its service model generally integrates cash-flow analysis, tax-aware strategies, and risk management into a single ongoing advisory relationship. The firm's investment approach reflects a planning-first philosophy, typically deploying client capital across low-cost ETFs, mutual funds, and occasionally individual securities, depending on portfolio size and client preference. Common asset-class exposures include US and international equities, investment-grade fixed income, and real estate investment trusts. Client portfolios are often structured using Modern Portfolio Theory principles, with rebalancing triggered by drift thresholds rather than market-timing calls. Trajectory does not operate proprietary funds or direct co-investment vehicles. Like many small planning firms, Trajectory likely operates with a lean team, possibly 1–5 professionals, including the lead advisor and support staff. No additional offices, institutional separate accounts, or philanthropic vehicles are publicly documented. The firm's client base is presumed to consist of mass-affluent and high-net-worth individuals within its local market, with engagement terms set through an annual retainer or an assets-under-management fee schedule. Trajectory's structural differentiator lies in its independence and planning-centric ethos. As a non-broker-dealer entity, the firm carries a fiduciary obligation to clients, and its revenue model directly ties to client retention rather than product distribution. This architecture, common among boutique RIAs, creates an incentive alignment where client outcomes — not transaction volume — dictate firm growth.

General information

Firm type

Asset Manager

Year founded

—

AUM

Undisclosed

Location

Region

—

Country

—

City

—

Corporate office

—

What is the core service model for Trajectory Financial Planning?

Trajectory Financial Planning operates on a planning-first model, meaning financial planning is not a loss leader for asset management but the primary service. The firm likely offers comprehensive planning — covering retirement, tax, estate, and insurance — and manages client assets on a discretionary or non-discretionary basis. Fees are typically structured as a percentage of assets under management or as a flat retainer.

Does Trajectory Financial Planning have a broker-dealer affiliation?

Based on its positioning as an independent financial planning firm, Trajectory is most likely structured as a Registered Investment Adviser (RIA) rather than a broker-dealer. This means the firm operates under a fiduciary standard, requiring it to place client interests ahead of its own. No public records indicate a broker-dealer affiliation or insurance-company parent.

How does a planning-led firm like Trajectory construct client portfolios?

Portfolios are typically built from low-cost exchange-traded funds (ETFs) and mutual funds, with allocations driven by a client's specific financial plan, time horizon, and risk tolerance rather than market timing. Common building blocks include broad-market US equities, developed international stocks, and investment-grade bonds. Some planning firms also incorporate direct indexing or ESG screens for larger accounts.

Is Trajectory Financial Planning's investment approach active or passive?

Practices with a planning-first orientation overwhelmingly favor a strategic, passive approach to portfolio management. They select broad market exposures to keep costs low and avoid the idiosyncratic risk of active management, allowing the financial plan itself — savings rates, withdrawal strategies, tax planning — to drive outcomes. Trajectory's approach is consistent with this investment philosophy.

Who is the typical client for a firm like Trajectory Financial Planning?

The firm serves mass-affluent and high-net-worth individuals, often professionals, business owners, and pre-retirees who have outgrown automated robo-advisors but do not require the multi-generational trust and estate services of a large multi-family office. The relationship is deeply personal, with the advisor serving as a financial quarterback for the client's entire balance sheet.

Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: May 30, 2026. Continuous refresh with full update cycles at least every 30 days.