Chess Financial Planning LLC

Chess Financial Planning provides ongoing financial planning and portfolio advice primarily to middle-income individuals, personal business owners, and very small businesses, and also serves plan sponsors. Services described in the brochure include holistic tax and financial planning delivered through the RightCapital platform, retirement plan advisory (including investment selection and 3(38) responsibilities), and discrete engagements such as hourly planning or investment-solution recommendations.

The firm describes its investment process as goal- and IPS-driven, using risk tolerance to shape asset allocation and recommending individual equities, fixed income, mutual funds, ETFs, options, and Schwab marketplace models; accounts are generally managed on a non-discretionary basis with trades executed after client instruction, though the adviser can accept discretionary authority if a client prefers. Chess may refer clients to outside managers when appropriate, monitors accounts at least quarterly, and uses Charles Schwab’s institutional platform for custody, trading, and research.

Noteworthy features for a small independent adviser include an active tax-preparation outside business activity (the adviser is an Enrolled Agent), and a focus on specialized, tax-advantaged investment recommendations for accredited or qualified investors—examples cited include Delaware Statutory Trusts, Qualified Opportunity Zone Funds, exchange funds, and fee-simple donations. The brochure also highlights its retirement-plan work (custodian-agnostic advice and 3(38) investment selection), a negotiable monthly fee process that the firm frames using publicly available pricing queries, and flexible client payment options (including Zelle and Venmo).