Dover, NH Office

Compass Planning Associates, Inc. provides comprehensive financial, investment, and tax planning to individuals, retirement plan participants, trusts, estates, and business entities, delivering advice on a project, hourly, or ongoing annual basis. For clients who engage ongoing services, the firm offers portfolio recommendations and can manage accounts on either a discretionary or non-discretionary basis.

The firm takes a planning-first, long-term approach and typically implements portfolios through passive asset allocation using index mutual funds and exchange-traded funds, with attention to diversification and tax-aware implementation. Ongoing planning clients receive regular check-ins (typically multiple times per year) and, when appropriate, may grant a limited power of attorney to allow the adviser to execute trades and assist with account maintenance.

Notably, Compass does not rely on percentage-of-assets-under-management fees and operates as a fee-only adviser that does not accept commissions or 12b‑1 compensation; instead it uses project-, hourly-, or annual-based billing. The firm is a NAPFA member that avoids soft-dollar arrangements, commonly recommends institutional custodians such as Fidelity or Schwab without receiving referral payments, and manages the majority of its assets on a discretionary basis despite its small, three-advisor team.