Cycle Financial Planning LLC

Cycle Financial Planning LLC works with individuals, families and small‑business owners—typically mid‑career professionals—to provide comprehensive financial planning and investment guidance across retirement, cash‑flow, college savings, estate, insurance, and tax planning. The firm delivers project‑based plans, ongoing subscription services, and standalone consulting, and it does not take custody of client assets or manage accounts on a discretionary basis.

The firm’s approach emphasizes client education and a do‑it‑yourself investing model: advisors collaborate with clients to screen and select diversified, low‑cost ETFs and mutual funds using third‑party research and to build allocation scenarios that reflect clients’ goals and risk tolerances. Cycle Financial employs fundamental and sector analysis, evaluates third‑party managers when appropriate, and performs periodic follow‑ups to review allocations and rebalance rather than executing discretionary trading on behalf of clients.

What is noteworthy relative to peers classified as investment managers is that the firm reports no assets under management and relies on fee‑for‑service arrangements (flat/project fees, subscriptions, and hourly consulting) rather than percentage‑of‑AUM billing. The firm also provides community financial education workshops and is led by management with CFP® credentialing, reflecting an advisory model oriented toward planning, education, and client implementation support rather than pooled or institutional asset management.