Able Financial Planning

ABLE Financial Planning provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts and estates, as well as institutional and plan sponsors such as pension and profit‑sharing plans, foundations and charities, and corporations. The firm offers tailored portfolio management (generally on a discretionary basis for many clients) alongside written financial planning that can cover cash management, retirement, tax and estate and charitable giving assessments.

The firm gathers client information through interviews to document goals, risk tolerance and time horizon, then constructs customized asset allocations and investment profiles; it uses a mix of methods including fundamental, technical (charting) and cyclical analysis and may employ long‑ and short‑term strategies, trading and options where appropriate. Investment programs are reviewed continuously with periodic formal reviews and clients receive custodial statements and periodic reporting, and the adviser will consult with clients prior to trades when blanket authorization has not been given.

Noteworthy aspects in this brochure include the adviser’s registration as an insurance producer and affiliation with a mortgage brokerage, which permit offering insurance and mortgage‑related products (and receiving commissions for insurance sales) while the firm states it does not accept compensation for the sale of securities. The firm’s client mix — including charitable organizations, pension/profit‑sharing plans, institutions and corporate clients — and its provision of both individual and business financial plans are less common for firms of this size.