John A.. Poole - Financial Advisor

The firm advises individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and small businesses, providing comprehensive financial planning and investment management services that include cash‑flow and tax planning, retirement and college planning, estate planning, and insurance review. It delivers both ongoing asset management and limited‑scope planning engagements, and communicates periodic written evaluations such as net worth statements and portfolio summaries.

Investment programs are tailored with written investment policy statements and the advisor generally manages client accounts on a discretionary basis, placing trades under a limited power of attorney and investing primarily in no‑load or low‑load mutual funds and exchange‑traded funds through discount brokers; other securities (stocks, bonds, options) may be used when appropriate. Accounts are reviewed at least quarterly, with more frequent reviews triggered by market events or changes in a client’s situation, and clients may impose investment restrictions.

Compared with many independent solo advisers, the brochure emphasizes the firm’s fee‑only advisory model and lack of affiliation with product sellers, while the Brochure Supplement also discloses that the principal operates as a tax preparer and is a licensed insurance agent—an arrangement that can introduce additional service capabilities and potential conflicts that the firm says it will disclose if they arise. The firm also offers hourly planning work and retains discretion to waive account minimums or move clients to limited engagements, practices that may differ from some peers of similar size.