Future Perfect Planning, LLC

Future Perfect Planning provides comprehensive financial planning and discretionary portfolio management to individuals, couples, and families, offering initial in-depth planning engagements, ongoing retainer planning, and optional investment management. Core planning topics listed in the brochure include cash flow and debt management, college savings, employee benefits optimization, retirement planning, estate and tax planning, insurance reviews, and risk management.

The firm’s investment approach is primarily passive, building portfolios from index mutual funds and ETFs to pursue low internal costs, minimal trading, and relative tax efficiency, and it manages client accounts on a discretionary basis. Initial planning is delivered on a fixed-fee basis, completed within three months and requiring payment in advance; clients may engage in planning-only arrangements or add ongoing investment management, and the firm commonly recommends custodians such as Charles Schwab or Altruist.

Noteworthy details in the brochure include that, as of December 31, 2025, the firm managed approximately $44.45 million in discretionary assets for 42 clients, indicating relatively high assets per client for a small practice, and the firm states it does not accept commissions, performance fees, or soft-dollar benefits. The adviser also coordinates with outside attorneys and tax professionals at clients’ request, does not vote proxies for clients, and provides quarterly written reports while relying on custodians to deliver account statements.