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Colefp

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Client assets under management

$88,739,894

Clients

75

36% high-net-worth

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

More info

Clients per advisor

38

Typical

Average account size

$1,183,199

About

The firm provides financial planning and wealth management to individuals, families, small businesses, and non-profit organizations, working with both high‑net‑worth and non‑HNW clients. Services include comprehensive and limited‑scope financial planning, ongoing portfolio management, retirement-plan consulting, and occasional divorce planning in a financial‑neutral role.

ColeFP uses a goal‑and‑risk driven process that emphasizes asset allocation, long‑term buy/hold strategies, and periodic rebalancing, and generally avoids market timing or frequent trading. Clients may engage the firm on either a discretionary or non‑discretionary basis, and the adviser maintains a notable portion of assets under non‑discretionary management — a client‑controlled model less common among similar supported firms.

The firm also offers time‑based and limited‑scope “real‑time” planning sessions and periodically conducts educational workshops for groups, which it notes are sometimes sponsored by employers or civic organizations. Additionally, its participation in fee‑only planning networks and willingness to serve as a financial neutral in collaborative divorce matters distinguish its mix of advisory, educational, and specialty planning services from many peers.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning General tax planning Debt management College savings (529s, UTMA, etc.) Divorce financial planning

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Fee options

Fixed

Flat annual fees based on assets under management tier schedule; also $750 for single-issue/ real-time planning sessions.

Percentage

$0 - $1,000,000: 1% $1,000,001 - $3,000,000: 0.60% $3,000,001+: 0.40%

Project-based

$270 per hour for financial planning and educational workshops.

Other

Account minimum: $500,000 (preferred minimum, negotiable) Fee-only: Fee-only compensation; no commissions received or paid.

Main office location

Colefp

P.O. Box 36608

Birmingham AL 35236, United States

Number of offices

3

Most active in

More info

Alabama · Florida · Louisiana · Texas

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook YouTube Website 205-477-5118

Advisors at this firm

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user avatar

Scott C

CFP®, Series 65

Hoover, AL

Colefp

Scott Cole is a CFP® with 21 years of experience and has been with Cole Financial Planning since 2004. He holds a Series 65 license and serves as a board member of GPN Alliance, Inc., the parent organization of the Garrett Planning Network. Cole also occasionally teaches financial planning courses as an adjunct professor and works as a financial neutral on interdisciplinary teams. Cole Financial Planning and Wealth Management, Inc. provides financial planning and investment advisory services to individuals, families, small businesses, nonprofits, trusts, and estates. The firm emphasizes long-term asset allocation and buy-hold-rebalance strategies, offering both discretionary and non-discretionary portfolio management tailored to client preferences.

General retirement planning General tax planning Debt management College savings (529s, UTMA, etc.) Divorce financial planning
user avatar

Adam W

CFP®

Hoover, AL

Colefp

Adam Warren is a CFP® professional with four years of industry experience. He has worked at Colefp since 2025 and previously held roles at Destiny Capital Corporation and Briaud Financial Advisors. Prior to his financial advisory career, he spent four years working as a caregiver. Cole Financial Planning and Wealth Management, Inc. provides financial planning and investment advisory services to individuals, families, small businesses, nonprofits, trusts, and estates. The firm emphasizes long-term asset allocation and buy-hold-rebalance strategies while offering services ranging from retirement and tax planning to portfolio management.

General retirement planning General tax planning Debt management College savings (529s, UTMA, etc.) Divorce financial planning
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