A to Z Financial Planning LLC

A to Z Financial Planning LLC is a fee-only fiduciary that provides ongoing discretionary investment management and comprehensive financial planning to individuals, trusts, estates, small businesses, and various tax‑qualified plans, managing approximately $49 million in client assets for about 181 clients. The firm is privately owned, operates with two advisors, and bills primarily on a percentage‑of‑AUM basis as described in its Form ADV.

The firm’s investment approach favors broadly diversified, globally allocated portfolios built with low‑cost index mutual funds and ETFs, and typically employs buy‑and‑hold strategies while using fundamental, technical, and quantitative research inputs when appropriate. A to Z places client assets with an independent qualified custodian (Charles Schwab) and manages accounts on a discretionary basis, with quarterly reviews and periodic reporting.

What is distinctive about A to Z relative to many peers is its mix of professional backgrounds and licensing: the owner is a CFP® with a Master of Science in Art Therapy and is licensed as a professional counselor and for life and long‑term care insurance, while the firm’s portfolio manager brings more than 15 years of institutional trading experience. The ADV also discloses the firm’s limited custody authority (fee deduction) and a practice of advising a range of client types beyond individual households—small businesses and tax‑qualified plans—while not acting as a proxy voter for client securities.