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Atwood Financial Planning LLC

Updated today

Client AUM

$15,750,000

Clients

939

Advisors

7

across 7 offices

About

Atwood Financial Planning serves a mix of individual clients, small businesses, trusts, estates, high-net-worth individuals and charities with financial planning, non‑discretionary asset management, concierge and accountability services, small business planning, corporate bundles, seminars and small-group workshops. The firm operates with seven advisors and offers planning and consulting on an hourly, fixed-fee or subscription basis rather than charging percentage‑of‑AUM fees.

The firm’s investment approach emphasizes low‑cost index funds and ETFs with minimal trading and asset allocation guided by client conversations rather than a formal risk questionnaire; Atwood manages client accounts only on a non‑discretionary basis and documents semi‑annual reviews for Premium clients and annual “check‑in” meetings for others. Investment recommendations focus on long‑term allocation, cash‑flow and tax considerations, and the brochure discloses specific hourly and flat fees for services including a $3,600 annual Premium Service fee billed quarterly.

What is noteworthy about Atwood is its combination of multiple client touchpoints and product offerings uncommon for a firm of its size: the brochure describes seminars, online workshops, corporate bundles and an owned financial app (Fearless Finance) that the principal devotes time to, in addition to operating from multiple office locations with a seven‑person team. The firm also reports $0 in discretionary assets and $15.75 million in non‑discretionary assets, reflecting a business model that relies on flat, hourly and subscription revenues rather than traditional AUM percentage billing.

Client services

Financial planning Educational seminars or workshops
Investment advice for individuals and/or small businesses

Expertise

General retirement planning Income planning General tax planning Cash flow / budgeting

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Fee options

Fixed

Non-discretionary asset management service: $3,600 annually billed quarterly; Concierge services: $360 per 6-month period; Accountability services: $325 per 6-month period billed quarterly; Corporate bundles: $3,600 for 10-hour bundle; Seminars: $1,500 per seminar; Small group workshops: $5,000 (five webinar-style classes)

Project-based

Lori Atwood New Client: $330/hour; Lori Atwood Existing Client: $310/hour; Katie Van Wyngarden Tax, Retirement Planning and Roth Conversion: $310/hour with one hour prep billed; Other IARs New Client: $280/hour; Other IARs Existing Client: $240/hour; Small business planning: $380/hour

Subscriptions

App subscriptions: $1.99 per linked account per month for accounts beyond three accounts

Other

Fee-only: Hourly fees ranging from $240/hour to $330/hour depending on advisor and client status; $380/hour for small business planning

Main office

See office

Washington DC

Advisors at this office

1

Most active in

California · Colorado · Connecticut · District of Columbia · Florida · Georgia · Illinois · Iowa · Louisiana · Maryland · Massachusetts · Nebraska · New Hampshire · New Jersey · New York · North Carolina · Ohio · Oregon · Pennsylvania · South Carolina · Texas · Virginia · Washington

Also doing business as

Atwood Financial Planning · Atwood Financial Planning LLC · Fearless Finance · Gulin, Lori Atwood · Lori Atwood Financial Planning, LLC

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Lori G

CFP®, Series 66

Washington, DC

Atwood Financial Planning LLC

Lori Gulin is a CFP® and holds a Series 66 license, with 11 years of experience in financial advising. She has been with Atwood Financial Planning LLC since 2013. Outside of her advisory role, she owns Fearless Finance, LLC, a company she founded to develop budgeting software and an accompanying app. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities, providing comprehensive financial planning and non-discretionary investment support. The firm emphasizes low-cost index funds and ETFs, a buy-and-hold investment approach, and personalized risk assessment through advisor-client discussions.

General retirement planning Income planning General tax planning Cash flow / budgeting
user avatar

Elizabeth P

CFP®, Series 65

Des Moines, IA

Atwood Financial Planning LLC

Elizabeth Pennington is a CFP® and holds a Series 65 license with seven years of industry experience. She has been with Atwood Financial Planning LLC since 2019 and previously worked for U.S. Wheat Associates from 2014 to 2019. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities, providing comprehensive financial planning and consulting services. The firm emphasizes low-cost index funds and ETFs with a buy-and-hold strategy and offers non-discretionary investment support alongside programs such as concierge and accountability services.

General retirement planning Income planning General tax planning Cash flow / budgeting
user avatar

Ukamaka O

Series 65

Richmond Hill, NY

Atwood Financial Planning LLC

Ukamaka Onyekelu Eze is a financial advisor at Atwood Financial Planning LLC with a Series 65 designation and two years of industry experience. Prior to joining Atwood, she worked at Financial Gym for four years and has been associated with the Research Foundation of CUNY since 2007. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities by providing comprehensive financial planning, consulting, and non-discretionary investment support. The firm emphasizes low-cost index funds and ETFs, a buy-and-hold strategy, and risk assessment through advisor-client discussions, operating with fixed and hourly fee arrangements and offering additional services such as a branded finance app and educational workshops.

General retirement planning Income planning General tax planning Cash flow / budgeting
user avatar

Katherine V

Series 65

Pullman, WA

Atwood Financial Planning LLC

Katherine Van Wyngarden is a financial advisor at Atwood Financial Planning LLC with three years of industry experience. She holds a Series 65 designation and has previously worked at Wills & Associates, PLLC, Specialty Insulation, PLLC, and Presnell Gage, PLLC. Outside of her advisory role, she operates Kaybee Group, LLC, a blogging and social media platform offering general financial information, wellness, and lifestyle content. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities, providing comprehensive financial planning and consulting services. The firm emphasizes low-cost index funds and ETFs with a buy-and-hold strategy, offering non-discretionary investment support alongside programs such as concierge and accountability services.

General retirement planning Income planning General tax planning Cash flow / budgeting
user avatar

Kimberly W

Series 65

Alexandria, VA

Atwood Financial Planning LLC

Kimberly Weihbrecht is a financial advisor at Atwood Financial Planning LLC in Alexandria, VA, holding a Series 65 designation and having six years of industry experience. She has worked at Atwood since 2020 and concurrently serves as an Operations Research Analyst for the U.S. Department of Energy, focusing on energy statistics and data collection related to coal use and international coal trading. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities with comprehensive financial planning and consulting services. The firm emphasizes low-cost index funds and ETFs, a buy-and-hold investment strategy, and non-discretionary portfolio management, while also offering unique programs such as concierge services, seminars, and a branded finance app.

General retirement planning Income planning General tax planning Cash flow / budgeting
user avatar

Katherine H

Series 65

Fort Collins, CO

Atwood Financial Planning LLC

Katherine Haynes is a Series 65-licensed financial advisor at Atwood Financial Planning LLC in Fort Collins, Colorado, with five years of industry experience. She has worked at Apollo Energy since 2019 and previously at EcoMark Solar from 2014 to 2019. Outside of financial advising, she co-owns Alpaca Imports LLC, a wholesale apparel and accessories import business. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities, providing comprehensive financial planning and consulting services. The firm emphasizes low-cost index funds and ETFs, a buy-and-hold investment approach, and non-discretionary portfolio management, alongside supplemental programs such as concierge services and employer-focused small-business planning.

General retirement planning Income planning General tax planning Cash flow / budgeting
user avatar

Jason R

Series 65

Cranford, NJ

Atwood Financial Planning LLC

Jason Ross is a financial advisor at Atwood Financial Planning LLC with seven years of industry experience. He holds a Series 65 designation and has been with Atwood Financial Planning since 2019. In addition to his advisory role, he works full-time as Manager of Financial Analysis and Business Intelligence at Xaxis. Atwood Financial Planning serves individuals, small businesses, trusts, estates, and charities, offering comprehensive financial planning and consulting services. The firm emphasizes low-cost index funds and ETFs, a buy-and-hold investment approach, and non-discretionary portfolio management with client-approved trade execution.

General retirement planning Income planning General tax planning Cash flow / budgeting
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