Mark Sheptoff Financial Planning LLC

The firm provides discretionary portfolio management, standalone financial planning, and consulting to a diverse client mix that includes individual and high‑net‑worth investors, pension and profit‑sharing plans, charitable organizations, and corporate clients. It manages roughly $466 million across about 235 client accounts and offers both ongoing asset management and project‑based planning engagements.

Its investment process draws on fundamental, technical and cyclical analysis alongside asset allocation, and employs both long‑ and short‑term strategies; the firm may also use margin and option strategies such as covered calls and spreads. Portfolio management is conducted on a discretionary basis in line with client objectives and tax considerations, and the firm maintains a sub‑advisory agreement with Essex Financial Services while using custodial and platform services provided through Fidelity.

Distinctive aspects include that the firm’s management personnel also practice as licensed Certified Public Accountants in a related accounting firm and may cross‑refer clients between the accounting and advisory practices, and that financial planning and consulting engagements are billed on an hourly basis rather than being provided only through AUM fees. The combination of an unusually varied client roster—including institutional plan and charitable clients—and the firm’s asset scale and client count is larger and more mixed than is typical for firms in this category.