Fidalgo Financial Planning

The firm provides comprehensive and hourly financial planning services to individual clients, including some high‑net‑worth individuals. It delivers written or electronic financial plans that address cash flow, retirement and distribution strategies, college savings, employee‑benefit optimization, insurance and tax‑efficiency considerations, and assists with implementation at the client’s discretion.

When an investment analysis is part of a plan, the firm emphasizes passive asset‑allocation approaches and uses third‑party money managers for clients who seek ongoing portfolio management rather than accepting new discretionary investment management engagements. The advisor follows a collaborative discovery and review process to tailor recommendations to the client’s risk tolerance, goals and changing life circumstances.

The practice is a very small, solo operation that focuses on planning rather than growing assets under management and does not offer investment management to new clients, which distinguishes it from many peers. It also offers educational seminars and speaking engagements (sometimes pro bono) presented solely as general education — a relatively uncommon service among independent advisory firms — and the principal’s CFP and Series 65 credentials combined with prior paraplanning and healthcare experience inform the firm’s detailed, benefits‑oriented planning approach.