Phin Wealth Planning is an investment advisory firm founded in 2026 and based in Virginia. Led by sole owner and Certified Financial Planner John "Jake" Seraphin, Phin Wealth Planning offers two primary service lines: comprehensive financial planning and investment management. The firm provides financial planning across two tiers—Core and Advanced—covering essential topics such as cash flow management, retirement projections, tax strategies, risk management, education funding, and estate reviews. The Advanced tier additionally addresses complex business planning, executive compensation optimization, and advanced tax and estate preservation. Investment management services are available either as part of a financial planning engagement at no additional fee or as a standalone service. For standalone investment management, Phin Wealth Planning constructs personalized portfolios using individual stocks and bonds, mutual funds, exchange-traded funds, and third-party investment models or outside managers. The firm emphasizes a client-first approach, operating as a fee-only registered investment advisor legally required to act in your best interest.
Fee Structure
Phin Wealth Planning offers investment management either included at no extra cost when you sign up for financial planning, or as a standalone service.
For clients using standalone investment management:
- The firm generally requires a minimum of $250,000 in investments.
- Annual fees typically range from $5,000 to $10,000, determined by the size of your portfolio, the complexity of your situation, and the scope of services requested.
- Fees are billed quarterly in advance and are usually deducted directly from your investment account.