Crawford Financial Planning & Consulting

Crawford Financial Planning & Consulting advises individual clients, serving both non‑high‑net‑worth and high‑net‑worth individuals with ongoing portfolio management and financial planning services. The firm operates as a sole proprietorship and transitioned to SEC registration in 2022, offering both discretionary portfolio management and one‑time or ongoing planning engagements.

The firm documents client objectives and risk tolerance in an Investment Policy Statement and generally manages accounts on a discretionary basis, primarily recommending ETFs while also using mutual funds, equities, and fixed‑income securities. Crawford combines technical and fundamental methods — including charting, cyclical and fundamental analysis, and modern portfolio theory — and employs long‑term trading and selective use of margin; accounts are reviewed at least quarterly and clients receive custodian reports.

Compared with many peers, Crawford’s business mixes multiple fee arrangements — asset‑based fees alongside flat retainers, fixed‑fee planning and hourly billing — and it reported over $171 million in discretionary assets while remaining a solo practitioner. The firm requires use of a single institutional custodian, does not participate in wrap fee programs or manage private funds, and does not select outside sub‑advisers, which shapes its execution and research relationships.