Palm Harbor, FL Office

Picket Fence Financial serves individual clients (both high‑net‑worth and non‑HNW), as well as trusts, estates, retirement plans, charitable organizations and small businesses. The firm is a fee‑only registered investment adviser that manages roughly $50.5 million on a discretionary basis for about 91 clients and also offers comprehensive financial planning and retirement‑plan consulting.

Investment management is implemented through eight model portfolios built primarily with exchange‑traded funds, index funds and no‑load mutual funds, and allocations are tailored to each client’s goals and a documented Client Investment Policy Statement. The firm describes a modern‑portfolio‑theory approach that emphasizes client risk tolerance, fundamental analysis supported by technical indicators, and use of Morningstar research and monitoring to guide implementation and rebalancing.

Distinctive features for a small, solo‑advisor firm include a formal retirement plan consulting practice — covering platform searches, plan benchmarking, participant education and the ability to act in a discretionary ERISA fiduciary role for some services — alongside individual wealth management. The firm also operates as a CFP®‑credentialed, fee‑only practice with multiple offices and discloses implementation considerations such as IRA rollover conflicts and a recommended custodial relationship.