Musser Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Musser Financial Planning, LLC provides portfolio management and comprehensive financial planning to individual and high‑net‑worth clients on an ongoing basis. Services include preparing individualized investment policy statements, regular portfolio monitoring, and advice on mutual funds, ETFs, equities, and insurance products including annuities.
The firm constructs client portfolios using fundamental analysis, modern portfolio theory, and quantitative methods with a long‑term trading orientation, documenting risk tolerance and reviewing accounts at least monthly. It uses a designated custodian (Altruist) for custody and a third‑party platform (Pontera) to manage held‑away defined‑contribution accounts and exercise rebalancing discretion for those accounts.
Noteworthy distinctions include that the firm’s principal is a licensed insurance agent who offers commissionable insurance products through a brokerage general agency relationship, a practice the brochure identifies as a potential conflict with fiduciary advisory services. The firm also requires clients to use a specific broker‑dealer/custodian, does not aggregate block trades for multiple client accounts, and uses third‑party platforms to manage held‑away accounts — practices that differ from many independent advisory peers.
Client services
Expertise
Fee options
$1 - $150,000: 1.60% $150,001 - $550,000: 1.25% $550,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,000+: 0.50%
Commissions from insurance product sales; no commissions from mutual funds or ETFs
$150 per hour for financial planning services
Up to $2,500 annually for ongoing financial planning, billed monthly or quarterly
Account minimum: $150,000 Fee-only: $150/hour for financial planning; up to $2,500 annually for ongoing financial planning, billed monthly or quarterly
Main office
Scottsdale AZ
Advisors at this office
1
Most active in
Arizona
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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