Tributaries Financial Planning is a registered investment advisor founded in July 2025 and based in Biddeford, Maine. The firm offers comprehensive investment management and financial planning services to individuals, high-net-worth individuals, charitable organizations, and businesses. Operating as a fee-only practice, Tributaries Financial Planning is compensated solely by clients and does not accept commissions or product sales fees. Investment management services use discretionary authority to build customized portfolios utilizing stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, adhering to Modern Portfolio Theory and incorporating socially responsible investing preferences when requested. Financial planning services are available on an ongoing basis or through project-based engagements, covering areas such as retirement planning, education savings, business consulting, cash flow and debt management, employee benefits, estate planning, insurance, and tax strategies. The firm has no account minimum requirement.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $60K | 5.00% |
| $60K - $250K | 0.50% |
| $250K - $1.0M | 0.75% |
| $1.0M - $2.5M | 1.00% |
| $2.5M - $5.0M | 0.75% |
| $5M+ | 0.50% |
Fees are negotiable. Accounts for members of the same household may be aggregated. The fee for the lowest tier is $25 per month, which equates to an effective annualized percentage of 5.0% for a $6,000 balance.