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Forward Financial Planning

Updated today

Client AUM

$3,721,450

Clients

9

Advisors

1

of 1 employees

About

The firm is an independent, single‑advisor registered investment adviser that serves individual and high‑net‑worth clients. It provides comprehensive financial planning and discretionary portfolio management, covering areas such as cash flow and debt management, retirement and college planning, employee benefits optimization, estate planning, tax considerations, and a two‑hour DIY consultation for limited‑scope questions.

The firm’s investment approach is grounded in Modern Portfolio Theory and primarily employs passive management, favoring strategic asset allocation across asset classes using mutual funds and ETFs rather than frequent individual‑stock trading. Portfolios are generally managed on a discretionary basis and the adviser integrates planning and investment management, while also offering standalone portfolio management engagements when requested.

What is distinctive is the firm’s very small client roster and modest assets under management relative to peers, combined with an uncommon advisory structure that emphasizes fixed annual planning engagements alongside separately arranged portfolio management and a short, paid DIY session option. The firm also leverages modern custodial platforms (including access to Altruist’s model marketplace and Schwab custody) and discloses reliance on a single principal for portfolio management as a material operational risk.

Client services

Financial planning Portfolio management

Expertise

Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance Retirement income strategy Long-term care insurance

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Fee options

Fixed

$500 for 2-hour Move Forward DIY financial consultation session

Percentage

1.25% annually

Project-based

$250 per hour (for financial planning service termination fees)

Other

Minimum fee: Fixed annual fee ranging from $8,000 to $10,000 per year, negotiable

Main office

Germantown TN

Advisors at this office

1

Most active in

Tennessee · Texas

Also doing business as

Forward Financial Planning · Forward Financial Planning LLC

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

Betsy H

CFP®, CRPC®

Germantown, TN

Forward Financial Planning

This is my second professional life. My first was healthcare administration. I completed a Master in Health Administration and specialized in business development, physician services, risk management and regulatory administration. I looked at budgets, analyzed data, and helped departments work together. My husband became a physician which brought me even closer to the patient care side of healthcare. But life changes…constantly. I took a long detour to be a stay at home mom, then spent the last several years in the world of personal finance as a student and working alongside other financial planners. I am a CERTIFIED FINANCIAL PLANNER™ (CFP®) and hold the Chartered Retirement Planning Counselor ™ designation. I am also a member of the National Association of Personal Financial Advisors, the XY Planning Network and the Financial Planning Association®. I started my own firm to provide you with an ongoing relationship so you can have a trusted partner to turn to for all your questions and concerns. Together, we can move forward to achieve your life goals. I live outside of Memphis, TN. I have two human kids and one furry one named Blue (our standard poodle and my running buddy). I read all the time. If not reading, I am running, cooking, eating, gardening, or playing the piano. My undergraduate degree is in psychology so the area of behavioral finance is fascinating to me. Why we do what we do, is a question that never gets old.

Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance Retirement income strategy Long-term care insurance Doctor or Medical Professional Women Professionals Divorced Women Gen X (Born 1965-1980)
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