Kastler Financial Planning

Kastler Financial Planning is a fee-only, state-registered advisory firm that provides financial and retirement planning and, when engaged, investment management for individual clients — with a primary focus on clients in or approaching retirement. Services include one-time and limited-scope planning engagements, recurring (ongoing) planning support, and referrals to third‑party professionals for tax, legal, or insurance needs.

The firm’s investment framework is grounded in Modern Portfolio Theory and a predominantly passive approach that uses index mutual funds and ETFs; when it provides investment management it operates through a major custodian and can manage accounts on a discretionary basis. For planning work the firm commonly uses fixed, tiered, and hourly billing and often delivers a written or electronic financial plan within a defined timeline, with the option for ongoing, advice‑only support where clients implement recommendations themselves.

Compared with many peers, Kastler Financial Planning routinely offers educational seminars, speaking engagements, and published materials for groups and the public, and may serve as a consultant to other advisory firms — activities that are less common among independent solo advisors. The firm also departs from the typical advisor billing model by not relying on percentage-of-AUM fees, instead favoring flat-fee, tiered and hourly arrangements, and operates with a small, boutique client base and relatively modest assets under advisement.