Count Your Beans Financial Planning LLC

Count Your Beans Financial Planning LLC provides financial planning, investment analysis, and insurance services to a mix of clients including individual investors (both non‑high‑net‑worth and high‑net‑worth), corporations and other advisory firms. The firm delivers one‑time and ongoing planning engagements, hourly consulting, and periodically offers educational seminars and speaking engagements that may be paid or provided pro bono.

The firm’s investment advice is grounded in modern portfolio theory and a passive, low‑cost asset allocation approach; it focuses on analysis and recommendations rather than discretionary management, and does not custody client assets or execute trades. Investment policy statements and portfolio optimization guidance are available on request, with implementation left to clients or third‑party managers and fees charged on a project, ongoing, or hourly basis.

Noteworthy for a firm categorized as an investment manager, Count Your Beans combines a non‑AUM advisory model with insurance production—its principal is licensed to sell insurance and the firm accepts related commissions—which the brochure discloses as a potential conflict of interest. The firm also emphasizes educator and collaborator roles (hosting workshops for employers and other professionals, and assisting in the selection or subcontracting of other advisers) and uses a tiered, income‑ and debt‑sensitive pricing approach and low entry barriers for clients, a business mix that differs from many peers.