Triunity Financial Planning

Triunity operates on a fee-only basis, meaning the firm is compensated directly by clients through transparent advisory fees rather than commissions, sales loads, or revenue-sharing agreements from product providers. This structure aligns the firm's incentives with client outcomes and satisfies the fiduciary obligation under the Investment Advisers Act of 1940. Fee arrangements at planning-led RIAs of this profile typically include flat annual retainer fees for financial planning, assets-under-management fees for investment management, or hourly project-based billing.

Like most independent RIAs, Triunity almost certainly does not take physical custody of client assets. Assets are custodied at a qualified third-party custodian—typically a large platform such as Charles Schwab, Fidelity Institutional, or Pershing—where accounts are held in the client's name. The firm may hold limited trading authority through a discretionary investment management agreement, but custody separation is a foundational consumer protection in the RIA model.

The firm likely constructs portfolios using low-cost, broadly diversified exchange-traded funds and index mutual funds, consistent with the evidence-based, passive-investing orientation that dominates the planning-led RIA segment. Equity exposures are typically allocated across domestic large-cap, mid-cap, small-cap, international developed, and emerging markets sleeves; fixed-income allocations favor investment-grade, intermediate-duration instruments. Alternative investments, individual stock-picking, and market-timing tactics are generally absent from this philosophy, which prioritizes cost minimization, tax efficiency, and long-horizon compounding.

Based on the firm's self-described focus on financial planning, its client base is almost certainly comprised of individual and family households rather than institutional pools such as endowments, foundations, or pension funds. The firm may also serve small business owners seeking integrated personal and business planning, but no evidence of ERISA-plan advisory services, OCIO mandates, or corporate consulting engagements is identifiable in the public record.

The critical distinction is regulatory and contractual. Triunity operates as a Registered Investment Adviser, which carries a fiduciary duty to act in the client's best interest at all times, disclose all conflicts, and prioritize client welfare above firm profit. Brokers and insurance agents, by contrast, operate under a suitability standard—requiring only that a product is 'suitable' at the time of sale, not that it is the best or cheapest option—and may earn commissions that are opaque to the client. Triunity's fee-only, product-agnostic model is the structural embodiment of that fiduciary separation.