Hirst Financial Independence Planning, Inc.

The firm provides fee-only financial planning and discretionary wealth management to individuals, high net worth individuals, businesses, and charitable organizations. Services include comprehensive financial planning (cash management, retirement, estate and tax considerations) and ongoing portfolio management using individual equities, bonds, mutual funds, ETFs and other investment products.

Investment decisions are tailored to each client through an individualized investment policy, with accounts generally managed on a discretionary basis and reviewed at least quarterly; the firm cites fundamental analysis among its methods and permits clients to impose written restrictions on their accounts. The adviser acts as a fiduciary under the Advisers Act and ERISA when applicable, and seeks written authorization to debit fees directly from client custodial accounts.

Noteworthy aspects disclosed in the brochure include common ownership ties to an affiliated accounting/tax business and an affiliated law practice that provide bookkeeping, tax preparation, estate planning and asset protection services; both affiliations are disclosed as potential conflicts and clients are not required to use those firms. The firm also notes this is an initial SEC registration and currently reports no assets under management, reflecting a very small, single-advisor operation relative to many peers.