Beard Financial Planning is a registered investment advisor based in Roanoke, Virginia, founded by Nathan Beard. The firm specializes in helping individuals and families—particularly those approaching or currently living in retirement—manage their investment portfolios and plan for their financial futures. Beard Financial Planning uses a long-term, strategic approach to investing, primarily utilizing diversified exchange-traded funds and mutual funds to balance growth potential with risk management. Comprehensive financial planning, branded as The Beard Blueprint, is included as part of the investment management service. This planning covers a wide range of topics including cash flow and debt management, retirement projections, investment analysis, insurance reviews, estate planning considerations, tax planning strategies, and education funding. The firm operates as a fee-only practice, meaning compensation comes solely from client fees without commissions or product sales, and is legally required to act in your best interest as a fiduciary.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.25% |
| $1M+ | 1.00% |
Uses a flat breakpoint schedule where the rate applies to the entire balance once the threshold is crossed. Fees are negotiable.