Beard Financial Planning LLC

The firm provides investment advisory and integrated financial planning services to individuals and families, with particular focus on clients approaching or living in retirement. It operates on a fee-only basis and delivers financial planning as part of its investment management relationship rather than as a standalone product.

Investment management is implemented on a discretionary, long-term strategic asset allocation model that emphasizes broad diversification, primarily using ETFs and index mutual funds across domestic and international equity and fixed income. Portfolios are monitored and periodically rebalanced, and the firm requires clients to establish accounts with a single custodian as part of its service model.

Notably, and uncommon for firms in this regulatory category, the adviser combines ongoing portfolio management for individuals with an included financial planning framework (referred to in the brochure as The Beard Blueprint) even though it is newly formed and has not yet begun managing client assets. The firm does not participate in wrap programs, does not charge performance-based fees or act as a private fund adviser, and relies on a single custodian model—features that may affect trade execution options and distinguish it from many peers.