Bend, OR Office

FPFoCo serves individual and high‑net‑worth clients through a bundled comprehensive service that combines financial planning, discretionary investment management, and income tax preparation and representation. The firm manages roughly $152 million across about 120 client relationships and typically delivers an initial financial plan within 60 days as part of its comprehensive engagement.

The firm’s investment work is grounded in Modern Portfolio Theory and emphasizes diversified portfolios built primarily with passive funds, quarterly rebalancing, and rules‑based third‑party trend analysis applied to roughly half of the equity allocation. It provides discretionary portfolio management, may recommend or oversee outside managers and platforms (including technology-enabled managers the brochure references), and explicitly incorporates tax considerations into portfolio design and supervision.

FPFoCo is notable among peers for integrating tax preparation and IRS representation into its advisory offering, with a managing member who is a federally licensed tax preparer and Enrolled Agent and who dedicates a meaningful portion of time to tax services. The brochure also notes the firm’s origin as a financial‑planning blog and its use of client testimonials in advertising, both features that are less common among supported firms.