Birch Bay Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Birch Bay Financial Planning is a fee-only advisory firm formed in 2026 that provides wealth management, investment management, and written financial planning to individuals and high net worth individuals. Services described in the brochure include comprehensive financial plans covering retirement, tax planning, college savings, insurance and estate planning, plus business-planning and employee-benefits optimization when relevant.
The firm describes an investment approach grounded in modern portfolio theory and asset allocation, favoring passive implementation with mutual funds and ETFs and occasional use of outside managers for specific allocations. When engaged for investment management, the adviser accepts limited discretionary authority and conducts quarterly reviews tied to clients’ risk tolerances and investment policies.
Distinctive aspects include offering standalone financial planning as a core service and the use of fixed, periodic planning fees alongside asset-based management — features that are relatively uncommon among firms in this regulatory category. The brochure also notes the firm does not use performance-based fees or side-by-side management and requires clients to establish custody through a single recommended platform (Altruist), which the firm says supports its trading and account services.
Client services
Expertise
Demographic focus
Fee options
$0 - $200,000: No investment management fee; planning fee $5,000 annually ($416.66/month) $200,001 - $500,000: Planning fee $3,000 annually ($250/month); Investment management fee 1.00% annually $500,001 - $1,000,000: Planning fee $2,750 annually ($229.16/month); Investment management fee 0.95% annually $1,000,001 - $1,500,000: Planning fee $2,500 annually ($208.33/month); Investment management fee 0.90% annually $1,500,001 - $2,000,000: Planning fee $2,250 annually ($187.50/month); Investment management fee 0.85% annually $2,000,001+: Planning fee starting at $2,000 annually ($166.67/month); Investment management fee 0.80% annually
Fee-only: Financial planning fees as listed in tiers; no commissions charged.
Main office
Orion IL
Advisors at this office
1
Most active in
Illinois
Also doing business as
Birch Bay Financial Planning · Birch Bay 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
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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