McGovern Financial Planning, LLC

The firm serves individuals, high‑net‑worth individuals, business entities and charitable organizations, providing discretionary portfolio management alongside financial planning and consulting services, including stand‑alone planning engagements. Clients enter into written advisory or planning agreements that set the scope of services and allow clients to impose reasonable, written restrictions on the firm’s authority.

The firm develops individualized investment policies through client discussions of goals, time horizons and risk tolerance and generally allocates assets among ETFs, mutual funds, individual equities, bonds and cash with ongoing supervision and periodic rebalancing. It treats cash as an asset class (including handling custodian sweep arrangements) and may incorporate cryptocurrency exposure into allocations via exchange‑traded products or third‑party managers, with clients able to exclude crypto in writing.

A distinctive feature is the affiliation with an accounting firm owned by the same proprietor, where accounting and tax services are offered under separate engagements; the brochure discloses this as a potential conflict of interest while noting clients are free to engage other professionals. The firm also discloses that it typically recommends a national custodian and may receive support services from that custodian, does not vote client proxies, and maintains written policies on personal trading, privacy and cybersecurity.