Crandell Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Crandell Financial Planning, LLC provides personalized financial planning and portfolio management to individuals, small businesses, trusts and estates, addressing retirement planning, cash‑flow and tax planning, estate issues, and small‑business consulting. The firm prepares analyses and written summaries for clients and manages investment accounts using mutual funds, ETFs, individual equities and fixed income instruments.
The firm’s investment approach emphasizes long‑term strategic asset allocation informed by Modern Portfolio Theory, diversification across asset classes, and a mix of passive and actively managed low‑cost funds; portfolios are typically managed on a non‑discretionary basis with the advisor contacting clients before executing trades. Reviews are generally performed at least annually, with periodic rebalancing and attention to tax‑sensitive implementation and client time horizons.
A noteworthy feature is that the firm is fee‑based but not fee‑only: the managing member is a licensed life and health insurance agent who owns a related insurance business and may receive commissions on insurance sales (including Medicare supplemental products), a relationship disclosed to clients and identified as a potential conflict of interest. The firm also discloses it does not accept 12b‑1 or trade‑based compensation, does not take custody of client assets, and generally requires client approval prior to trades—an admixture of commissionable insurance activity and advisory AUM services that is less common among independent solo advisers.
Client services
Expertise
Occupation focus
Fee options
Fixed fees for financial planning based on project scope, complexity, and time estimates; retainer up to $500
$0 - $99,999: 1.0% annually (equities, mutual funds, assets not treated as fixed income) $100,000+: 0.5% - 1.0% annually (equities, mutual funds, assets not treated as fixed income) $0 - $499,000: 0.5% annually (bonds, cash equivalents, assets treated as fixed income) $500,000+: 0.25% annually (bonds, cash equivalents, assets treated as fixed income)
Commission fees on insurance products sold by the managing member as a licensed insurance agent
$200/hour (negotiable) for financial planning services
Account minimum: $15,000 Minimum fee: $200 annual minimum fee for accounts under $15,000
Main office
300 Beecham Street
Bristol TN 37620
Advisors at this office
1
Most active in
Tennessee
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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.
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