Templeton Financial Planning

Overview

Templeton Financial Planning is a small, owner-operated independent RIA organized as a sole proprietorship that focuses on financial planning and portfolio management for individuals and small businesses. The firm operates on a fee-for-service model—primarily hourly and fixed fees—which aligns with a non-discretionary, advisory relationship: clients retain decision authority while the firm provides planning, advice and implementation recommendations. Templeton identifies itself as an accountant by trade and combines that background with advisory services rather than acting as a capital allocator or discretionary money manager. Investment activity is modest and conservative in scope. The firm relies heavily on pooled public funds for portfolio construction and supplements client portfolios with allocations to real estate through third-party managers when appropriate. Templeton is not an ESG-focused adviser and does not position itself as a multi-state or pension consultant adviser. Its client roster is intentionally small, reflecting a boutique practice that emphasizes personalized planning over scale.

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Location & Offices