Advitica Financial Planning LLC

Advitica Financial Planning, LLC provides fee-only investment management and financial planning to individuals, families, and related personal representatives, offering comprehensive ongoing financial planning and portfolio management, hourly financial planning consulting, and educational seminars and workshops. Each engagement is documented in a written Financial Planning Agreement and, for ongoing management, an Investment Policy Statement; portfolio services are typically implemented on a discretionary basis.

The firm follows an evidence-based approach grounded in Modern Portfolio Theory, building broadly diversified portfolios largely with no‑load mutual funds and exchange-traded funds and emphasizing asset allocation and periodic rebalancing. Financial plans are tailored to client goals and risk tolerance and explicitly consider tax-sensitive matters such as asset location and opportunities for harvesting gains and losses; the adviser coordinates with clients’ tax and legal advisors when appropriate.

What is noteworthy in the brochure is the firm’s explicit commitment to investor education: it offers complimentary, non‑sales seminars and workshops presented on an “as‑announced” basis to groups seeking general investment instruction. The brochure also highlights that financial planning is central to the business model—clients may choose point‑in‑time hourly engagements or ongoing managed relationships with annual reviews—and that the firm discloses formal policies such as a business continuity plan and an information security program.