Colefp
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About
Cole Financial Planning and Wealth Management provides financial planning, portfolio management, and related advisory services to individuals, high net worth clients, trusts, estates, small businesses, and non-profit organizations. Services are offered through a mix of hourly/project engagements, single-issue consultations, and ongoing wealth management arrangements that include portfolio oversight and retirement-plan advice.
The firm’s investment process emphasizes asset allocation, long-term buy-and-hold investing, and periodic rebalancing, with limited use of individual security selection and no market-timing strategies. ColeFP accepts both discretionary and non-discretionary relationships — as of 9/24/2026 the firm reported $75,360,840 in discretionary assets and $26,775,498 in non‑discretionary assets — and tailors implementation to each client’s stated objectives and risk tolerance.
Distinctive aspects of the practice include offering group educational workshops and single-issue “real time” sessions, as well as serving as a financial neutral in collaborative divorce matters. The firm operates on a fee-only model, participates in member networks such as the Garrett Planning Network and NAPFA, and uses third‑party custodians for client assets while not taking physical custody itself.
Client services
Expertise
Fee options
Single issue/second opinion 'real time' planning session is $750 with $325 deposit; fees for ongoing relationships are annual flat fees calculated as tiered percentage of AUM.
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.60% $3,000,001+: 0.40%
Current hourly rate is $270 billed in six-minute increments.
Account minimum: $500,000 (negotiable) Fee-only: Ongoing wealth management fees are fee-only; no commissions received.
Main office
Hoover AL
Advisors at this office
2
Most active in
Alabama · Florida · Louisiana · Texas
Also doing business as
Cole Financial Planning · Cole Financial Planning And Wealth Management, Inc · Cole Financial Planning And Wealth Management, Inc. · Cole, Scott Douglas · Colefp · Colefp And Wealth Management, Inc.
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.
Quick links
Advisors at this firm
Scott C
CFP®, Series 65
Hoover, AL
Colefp
Scott Cole is a Certified Financial Planner™ and holds a Series 65 license with 22 years of experience at Cole Financial Planning in Hoover, Alabama. He has served as an adjunct professor teaching financial planning courses and is a board member of GPN Alliance, Inc., which owns the Garrett Planning Network. Cole Financial Planning and Wealth Management provides financial planning and portfolio management services to individuals, high net worth clients, trusts, estates, small businesses, and nonprofit organizations. The firm emphasizes asset allocation, long-term buy-and-hold investing, and periodic rebalancing, offering both discretionary and non-discretionary services tailored to client objectives and risk tolerance.
Adam W
CFP®
Hoover, AL
Colefp
Adam Warren is a CFP® professional with four years of industry experience. He has held advisory roles at Colefp since 2025, and previously worked at Destiny Capital Corporation and Briaud Financial Advisors. Prior to his advisory career, he spent four years as a caregiver. Cole Financial Planning and Wealth Management provides financial planning and portfolio management services to individuals, high net worth clients, trusts, estates, small businesses, and non-profit organizations. The firm emphasizes asset allocation, long-term buy-and-hold investing, and periodic rebalancing, offering both discretionary and non-discretionary client relationships tailored to individual objectives and risk tolerance.
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