Luskin Financial Planning

The firm provides fee‑only, advice‑only financial planning on a fixed‑fee or hourly basis to individuals and to other advisers’ clients, with a particular focus on high‑net‑worth individuals, retirement plan sponsors, trustees of foundations and other non‑profit organizations. It does not take custody of client assets or provide discretionary portfolio management; clients or their chosen custodians/other advisers are responsible for implementing recommendations.

The firm follows a long‑term passive investment philosophy, generally recommending low‑cost, market‑tracking index mutual funds and ETFs and avoiding market timing, sector rotation, leveraged products, or frequent trading. Engagements begin with a review of a client’s background, goals, risk tolerance and current holdings and typically result in one‑time portfolio reviews, written recommendations, or referrals, with implementation left to the client or a third party.

Noteworthy for a solo independent adviser, the firm places a visible emphasis on education and industry outreach: it offers live presentations and workshops, participates in the Bogleheads community and the John C. Bogle Center for Financial Literacy, volunteers with a local financial‑literacy nonprofit, and provides industry consulting and a purchasable advisor template. The firm’s business model — advice‑only engagements with fixed/hourly fees and no percentage‑of‑AUM billing — and its public education activities distinguish it from many peers.