Intera Financial Planners LLC

Intera Financial Planners LLC is a fee-only, state-registered advisory firm that provides comprehensive financial planning and investment advisory services to individuals and families. Services described in the brochure include retirement and tax planning, estate and life planning, record-keeping, cash flow and credit analysis, and small business development, and engagements are governed by written agreements that define the scope of services.

When investment management is included, the firm typically accepts discretionary authority and may engage independent sub‑advisors to implement portfolios while retaining ongoing oversight of those managers. Investment analysis and recommendations are tailored to clients’ tax situations, risk tolerance, and goals and commonly use individual securities, no‑load mutual funds, ETFs, bonds, and cash equivalents as appropriate.

What stands out about this practice is its pricing model: the firm does not rely on a percentage‑of‑assets billing approach and instead uses flat‑fee and limited‑scope engagements, with any sub‑advisor fees included in the firm’s fee structure. The brochure also notes a relatively small number of client relationships for the amount of assets managed, membership in a professional planning alliance that provides proprietary tools and training, and a policy of not accepting commissions or third‑party referral fees.