Guttman Financial Planning

Guttman Financial Planning provides financial planning, investment consultation, and portfolio management primarily for individual clients and families, with services that include retirement-plan and rollover analysis, college funding, tax and estate planning, and implementation through custodial accounts or recommended third‑party managers. Clients may engage the firm for broad-based or modular planning, ongoing portfolio supervision, or one-time consultations.

The firm’s investment approach emphasizes fundamental analysis and a long-term, buy-and-hold orientation with periodic rebalancing, building diversified portfolios largely through mutual funds and ETFs. Investment guidelines are customized to each client’s objectives, time horizon and risk tolerance, and accounts are typically managed on a discretionary basis; when recommending third‑party managers the firm conducts due diligence and annual reviews.

Distinctive features include a small, boutique scale—about $1.7 million in regulatory assets under management across a limited number of client accounts—and the provision of periodic complimentary educational seminars that are explicitly described as educational and not sales-focused, a service the brochure notes as uncommon among peers. The firm is led by a CERTIFIED FINANCIAL PLANNER™ professional who conducts client reviews directly and offers both comprehensive and focused (modular) planning options.