THOUGHTFUL FINANCIAL PLANNING, LLC

Overview

Thoughtful Financial Planning, LLC is a small, independent registered investment adviser that concentrates on financial planning and portfolio management for individual and family clients and a limited number of small-business relationships. The firm operates largely as a non-discretionary advisor, meaning it provides recommendations and implements strategies with client approval rather than exercising autonomous trading authority. Its fee structure is a mix of percentage-of-AUM, hourly charges and fixed fees, which aligns with a planning-first business model rather than product-driven asset gathering. Investment activity centers on public funds and mutual funds as the core building blocks of client portfolios, with a material portion of assets held in pooled vehicles. The firm is not an active ESG investor, does not serve as a capital allocator to proprietary alternative strategies, and is not organized as a multi-state advisory enterprise. Given the small client base and non-discretionary mandate, the practice appears oriented toward personalized planning engagements and model recommendations implemented at the custodian level.

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Location & Offices