Applied Financial Planning, Inc.

Applied Financial Planning, Inc. is a registered investment adviser that provides tax preparation and tax planning services to individuals, financial institutions, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. Engagements typically conclude with delivery of a written tax analysis or filing of a tax return and do not include implementation of investment recommendations.

The firm’s tax planning work emphasizes tax-efficiency and long-term investment considerations from a tax perspective, including timing of income, retirement-plan contribution strategies, tax gain–loss harvesting, and asset-allocation guidance intended to minimize tax drag. Services are billed on fixed-fee or hourly bases rather than on a percentage of assets under management, and the firm does not take custody of or manage client investment accounts.

Distinctive features disclosed in the brochure include an affiliation with a broker-dealer and an investment-advisory platform through which associated personnel may offer securities and advisory accounts; clients who choose to implement recommendations through those channels may generate commissions or advisory fees. These structural elements — affiliation with brokerage/advisory platforms, non-AUM billing, and a practice focused solely on tax planning without in‑house asset management — make the firm atypical compared with most firms categorized as investment managers.