Brown Financial Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Brown Financial Planning is a small, fee-only advisory firm serving primarily individual clients — including high-net-worth and non‑HNW households — as well as occasional small business and nonprofit accounts. The firm offers portfolio management and comprehensive financial planning services, delivering written plans, annual reviews, and separate consultations alongside managed accounts totaling roughly $22.7 million across about 117 clients.
The firm’s portfolio management is conducted on a non‑discretionary basis: Brown prepares ongoing recommendations, monitors accounts daily, and requires client approval before executing transactions rather than placing trades on clients’ behalf. Investment analysis combines fundamental and technical methods and may include equities, mutual funds, ETFs, bonds, options and, in rare instances, private placements; clients can impose investment restrictions and the firm does not aggregate client orders.
Notable distinctions include the firm’s emphasis on non‑discretionary relationships (an uncommon arrangement among peers), its routine recommendation of a single custody/trading platform whose proprietary research the firm uses, and its use of third‑party referral payments (generally a one‑time 15% share of initial fees). Additional outside‑business activities disclosed in the brochure — such as the principal’s contract work for another financial firm and ownership of rental properties — are identified as potential conflicts that the firm addresses through disclosure and due diligence.
Client services
Expertise
Fee options
Comprehensive Financial Plan $1,200 minimum; Annual Financial Plan Review $500 fixed fee
$50,000 - $175,000: 1.00% annually $175,001 - $375,000: 0.85% annually $375,001 - $675,000: 0.70% annually $675,001 - $900,000: 0.65% annually $900,001+: 0.50% annually
$250 per hour for Separate Financial Planning Consultations
Account minimum: $50,000 Fee-only: Comprehensive Financial Plan $1,200 minimum; Annual Financial Plan Review $500 fixed fee; Separate Financial Planning Consultations $250 hourly fee
Main office
Bay City MI
Advisors at this office
2
Most active in
Michigan
Also doing business as
Brown Comprehensive Financial LLC · Brown Financial LLC · Brown Financial Planning · Brown 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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Steven O
Series 65
Bay City, MI
Brown Financial Planning LLC
Steven O'mara is a Series 65-licensed financial advisor with six years of industry experience. He is the sole advisor at Brown Financial Planning LLC in Bay City, MI, and has worked concurrently at Fisher Contracting since 1996. Brown Financial Planning LLC is a fee-only registered investment adviser serving individuals, including high-net-worth households, as well as small businesses and non-profits. The firm primarily manages accounts on a non-discretionary basis, utilizing both fundamental and technical analysis across a range of investment strategies.
Nathan B
CFP®, Series 65
Bay City, MI
Brown Financial Planning LLC
Nathan Brown is a CFP® and Series 65-registered financial advisor with 12 years of industry experience. He is the sole advisor at Brown Financial Planning LLC in Bay City, MI, and has previously worked at Origin Financial. Brown also has over two decades of experience in education. Brown Financial Planning LLC is a fee-only registered investment adviser serving individuals, including high-net-worth households, as well as small businesses, non-profits, and institutional clients. The firm primarily manages accounts on a non-discretionary basis and employs a range of investment strategies from passive fixed-income to active equity and options trading.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")