Cadenza Financial Planning

Cadenza serves individuals, high‑net‑worth clients, charitable remainder trusts, family foundations, corporations, and other business entities, providing discretionary portfolio management along with hourly, project‑based, and ongoing comprehensive financial planning. It also offers an integrated "Total Management" service that combines investment management and ongoing planning under a negotiated advisory agreement.

The firm generally implements long‑term, passive portfolios built with diversified index mutual funds and ETFs and develops allocations based on each client’s plan, time horizon, tax considerations, and written restrictions; it may rebalance and employ limited options strategies such as covered calls, cash‑secured puts, and protective puts. Cadenza describes a mixed analysis approach—fundamental, technical, cyclical, and charting—and limits its use of artificial intelligence to administrative and internal workflow support rather than investment decision‑making.

Distinctive features include a fully virtual operating model and a pending transition to SEC registration, along with planning engagements that can be structured as fixed project fees (disclosed up to $50,000) or hourly arrangements. The firm discloses that the principal maintains an insurance license for protection‑planning advice but does not sell insurance or receive commissions and does not intend to renew that license; it also does not ordinarily aggregate trades and relies on custodial statements rather than providing separate periodic portfolio statements.