Investing - Theory, News & General • Re: Potential Financial Planners to Consider

Just to update this list, it might be worthwhile to mention a new firm, White Coat Planning. It's an offshoot of the investing strategies and planning articles published on the White Coat Planning site.
https://www.whitecoatplanning.com
They offer a flat-fee a la carte set of services that starts at $250 a month for ongoing comprehensive planning. (Note: They also charge an extra "one-time only" fee of $4,500 to create and set up your plan.) They also offer a separate investment management service, which you can add at any time. It's based on a tiered-fee basis: Assets up to $1 million are currently charged $2,500 a year. But those tiers go up as you reach different asset levels: $1-2 million are $6,000/year; $2-6 million are $12,000/year; $6-10 million are $22,000/year ... as so forth. It goes up to $25-$30 million at $45,000/year.
Instead of using off-the-shelf software such as eMoney or RightCapital, they've developed their own package. The advisor we talked to told us they believe their software digs deeper into things like household budgeting, cash flow forecasting, expense tracking, portfolio management and other planning areas.
In terms of portfolio construction, they offer several different models, including those based on Dr. Jim Dahle's portfolio. Those can be built around Total US and Total Int'l stock ETFs with tilts to small cap value. They also mentioned some with alts and/or real estate, but those were optional and highly customizable to your individual situation and/or tastes. (We wanted a pretty plain Jane VTI, VXUS, BND portfolio with VGIT and a Treasury money market fund in our taxable account. The advisor we talked to was very willing as part of their financial planning process to work with us on developing such a portfolio for me to manage, and one they could take over easily in case something happened to me.)
On the plus side, they appear to have a pretty large staff. They also offer both Schwab and Fidelity as preferred custodians.
One caveat: WCP seems to be formed like a private trust company. It's listed as part of Extraordinary Trust LLC. As a result, I can't find any Form ADV documents for White Coat Planning. Normally, a Form ADV includes a lot of important information relating to things like number of clients, total assets, staff and a brochure explaining their services in detail.
White Coat Planning does have to privately report to its state (South Dakota?) banking authority. So, they've got to turn over certain private financial statements and let state regulators privately audit their books. Still, this appears to be a different set of public reporting requirements than what a typical independent RIA firm must disclose to existing as well as prospective clients.

Statistics: Posted by BetaTracker — Sat Sep 12, 2026 12:11 am