Gold Canyon Financial Planning

Gold Canyon Financial Planning is a fee-only advisory firm that provides personalized financial planning and discretionary investment management primarily for individuals, couples and families, including retirees, professionals and business owners. The firm also offers occasional educational workshops and provides pro bono services to a single 501(c)(3) nonprofit while managing a limited number of revocable living trust accounts.

The firm’s investment process emphasizes fundamental analysis and modern portfolio theory, favoring diversified, low-cost no-load mutual funds, ETFs and fixed-income instruments with a long-term, buy-and-hold orientation and periodic tactical adjustments. Clients complete an investor profile and an Investment Policy Statement to document objectives and risk tolerance, and the adviser provides ongoing discretionary supervision with periodic rebalancing and custodial reporting.

Noteworthy features relative to peers include its combination of retail retirement planning and detailed employer-plan rollover guidance—areas that overlap with pension-consulting work—and the firm’s explicit pro bono relationship with a nonprofit, both of which are uncommon among independent advisers. The firm operates on a strictly fee-only basis, does not accept commissions or product sales, and maintains custody through independent custodians with limited authorization to deduct advisory fees.