Phoundational provides financial planning and consulting services to individuals, families, high-net-worth individuals, and organizations. Founded in 2019 and led by a Chartered Financial Analyst and Certified Financial Planner, Phoundational operates as an independent, fee-only advisory firm that does not sell financial products or accept commissions. Phoundational does not manage investment portfolios or take custody of client funds. Instead, the firm acts purely as a consultant, guiding clients through a structured process that covers financial condition assessment, goal setting, investment education, strategy formulation, and implementation assistance. Clients retain full control of their accounts, execute their own trades, and select their own brokerage firms. Phoundational primarily recommends low-cost, passive index funds and exchange-traded funds to help clients build diversified portfolios aligned with their personal goals.
Fee Structure
- Fixed-price engagements — up to $30,000 for broad and comprehensive engagements, covering discovery, evaluation, education, strategy, and action planning
- Hourly consulting — up to $1,100 per hour for narrowly defined projects, meetings, phone calls, and electronic correspondence