Commencement Financial Planning offers comprehensive financial planning and wealth management services to individuals and families. The firm helps clients develop tailored financial plans covering insurance, estate planning, tax strategies, retirement, education funding, and cash flow. For investment management, Commencement Financial Planning builds portfolios primarily using low-cost passive mutual funds and exchange-traded funds, and operates on a non-discretionary basis—meaning clients must approve all trades before they are executed. The firm also offers short-term project-based planning engagements for specific needs like retirement funding, portfolio reviews, or debt analysis. The firm does not manage money for institutional clients and focuses exclusively on personal advisory relationships.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 0.80% |
Annual fee ranges from 0.00% to 0.80% based on assets under management, calculated and paid quarterly in arrears.
