Blue Ladder Financial Planning, LLC

The firm is registered as an investment manager and describes discretionary direct asset management alongside financial planning and consulting services. Its brochure notes that client profiles, objectives and risk tolerances are documented for each engagement and that the firm currently reports no assets under management.

Investment decisions are made under discretionary authority but are guided by documented client goals, time horizons and risk tolerance; the firm describes using fundamental, technical, charting, cyclical analysis and Monte Carlo techniques. It recommends digital custodial platforms, participates in a model marketplace offered by its recommended broker‑dealer, and states it manages accounts separately rather than aggregating trades across client accounts.

A noteworthy characteristic is that the firm’s owner also operates as an independent insurance agent and spends roughly 40% of their time on those activities, receiving commissions for insurance products — a practice the brochure discloses as a potential conflict of interest and says is mitigated through disclosure and fiduciary obligations. The brochure also discloses the owner’s reserve military service and rental‑income activities and the firm’s ability to assign third‑party model portfolios from its recommended custodian, which may be atypical for managers in this category.