Finance 180

Finance 180 provides discretionary portfolio management and financial planning services to individual and high-net-worth clients, offering tailored investment plans, retirement and tax-aware advice, and college and estate planning. The firm manages about $1.66 million for roughly 16 clients and does not require a minimum account size; clients with $250,000 or more in assets under management receive ongoing financial planning at no additional charge.

The firm generally implements passive, low-cost portfolios built from index mutual funds and ETFs and constructs client-specific asset allocations based on stated objectives, time horizons and risk tolerance. Notably, the adviser cites charting analysis as its primary method of investment analysis while operating under discretionary authority and monitoring accounts on a quarterly basis.

Distinctive features include a practice model centered on a CFP certificant who also maintains other part-time academic employment (reported as consuming up to half of his time), which may affect capacity and responsiveness relative to peers. The firm offers comprehensive planning via a retainer option, participates in an institutional program with Schwab (receiving certain research and service benefits), and does not routinely provide written performance reports to managed-account clients.