Pivot Planning is a registered investment advisor founded in November 2025 and based in Centennial, Colorado, led by principal owner and Certified Financial Planner Jacob DuBose. Pivot Planning offers continuous investment management and financial planning services tailored to individuals. When managing your portfolio, Pivot Planning builds customized asset allocations primarily using stocks, bonds, mutual funds, exchange-traded funds, and cash equivalents, and may utilize model portfolios from platforms like Charles Schwab's Model Market Center. Pivot Planning acts legally required to act in your best interest as a fee-only firm, meaning compensation comes solely from client fees without commissions or product sales charges. Alongside investment management, Pivot Planning provides financial planning covering cash flow, debt management, retirement planning, tax strategies, employee benefits, insurance, college savings, and estate planning at no additional charge for wealth management clients. The firm has no account minimums and does not participate in wrap fee programs.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 0.79% |
| $1.0M - $5.0M | 0.69% |
| $5.0M - $10.0M | 0.49% |
| $10M+ | 0.25% |
Fees are negotiable.