Foundations Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Foundations Financial Planning provides personalized, fee-only financial planning and investment advice to individuals as well as trusts, estates, charitable organizations and small business entities. Services described in the brochure include limited-scope hourly planning, ongoing investment advice, comprehensive financial planning and retainer arrangements.
The firm’s investment approach emphasizes strategic asset allocation with a core-and-satellite structure that typically uses passive index funds and ETFs as the core and selectively adds active funds, with portfolios globally diversified to manage risk. Advice is delivered as recommendations supported by planning and research tools (e.g., financial planning and Morningstar research software); the firm does not act as custodian or trade discretionary client accounts — clients make and execute final investment decisions.
Notable differences from many peers include reporting no assets under management and not accepting discretionary portfolio management for client accounts, as well as not charging standard percentage-of-AUM fees; instead the firm uses hourly, flat and retainer fee arrangements. The brochure also discloses a succession agreement with another registered adviser for an eventual client transition and that the firm does not provide its own performance statements, directing clients to custodial account reports.
Client services
Expertise
Fee options
Comprehensive Financial Planning Agreement fees are fixed yearly amounts based on net worth with tiered rates; Retainer Agreement annual fixed fee based on expected scope of effort.
$0 - $500,000: $750 per year fixed fee $500,001 - $1,000,000: $1,000 per year fixed fee $1,000,001 - $1,500,000: $1,500 per year fixed fee $1,500,001 - $2,000,000: $2,000 per year fixed fee $2,000,001 - $2,500,000: $2,500 per year fixed fee $2,500,001 - $3,000,000: $3,000 per year fixed fee $3,000,001 - $3,500,000: $3,500 per year fixed fee $3,500,001 - $4,000,000: $4,000 per year fixed fee $4,000,001 - $4,500,000: $4,500 per year fixed fee $4,500,001 - $5,000,000: $5,000 per year fixed fee $5,000,001+: Fee depends on complexity
Hourly Planning Agreement and Retainer Agreement charged at $250 per hour; fees are negotiable.
Account minimum: $37,500 Minimum fee: Investment Advice Agreement minimum fee is $750 per year; Comprehensive Financial Planning Agreement minimum fee is $2,250 for year one; Hourly Planning Agreement minimum fee is $750 (three hours at $250/hour); Retainer Agreement minimum fee is $750 per year (three hours at $250/hour) Fee-only: Firm is strictly fee-only; no commissions or sales of financial products.
Main office
Williamsburg VA
Advisors at this office
1
Most active in
Massachusetts · Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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