Liftoff Financial Planning

Liftoff Financial Planning is a small, independent registered investment adviser that serves individual clients (including non–high-net-worth households), employer-sponsored retirement plans, and business clients. The firm provides tailored portfolio management alongside comprehensive and fixed-fee financial planning, employer plan advisory services, and pre-packaged courses and instructional materials for the public.

The firm's investment approach emphasizes passive portfolio construction using index mutual funds and ETFs, while applying fundamental analysis when performing investment analyses or recommending individual securities; it also recommends and monitors third‑party managers and model portfolios built by a technology provider (XY Investment Solutions). Accounts are managed on a discretionary basis when authorized, and the firm generally executes trades on an individual account basis rather than aggregating block trades.

Distinctive features for a firm of this size include offering employer account advisory and selling instructional courses in addition to one‑on‑one planning, and integrating a tech-driven model provider with outside managers. The brochure also discloses that the firm’s principal maintains other professional roles outside the advisory business, and the firm does not accept custody of client assets except to withdraw advisory fees.