Pivot Planning, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
0
Very LowAverage account size
—
About
Pivot Planning is a fee-only, SEC-registered investment adviser that provides wealth management and comprehensive financial planning services to individual clients. Offerings include continuous discretionary portfolio management across common asset types (stocks, bonds, mutual funds, ETFs), goal-based planning (cash flow, retirement, college, insurance, and estate planning), and optional financial plan delivery.
The firm implements portfolios using a mix of model-based strategies—including models available through Schwab’s Model Market Center™ and third-party providers that the firm may customize—and employs both passive and active methods guided by modern portfolio theory, fundamental and technical analysis, and periodic rebalancing. Pivot Planning retains discretion over model selection and trading, incorporates client-specific inputs (risk tolerance, tax considerations, time horizon), and may use tax-aware adjustments and opportunistic loss harvesting while permitting reasonable written client restrictions.
Noteworthy aspects include that the firm was newly formed and registered in late 2025/2026 and, as of the brochure date (April 24, 2026), reported $0 in assets under management and no clients — a profile that is uncommon among independent advisers. The firm is led by a CFP®-certified principal who also serves as chief compliance officer, operates as a single-advisor practice without accepting commissions, and follows a policy of executing client orders on an individual basis rather than aggregating block trades.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General retirement planning
Wealth management
Fee options
$0 - $1,000,000: 0.79% $1,000,001 - $5,000,000: 0.69% $5,000,001 - $10,000,000: 0.49% Above $10,000,000+: 0.25%
Fee-only: Fee-only firm, compensation solely from clients, no commissions or sales-related compensation
Main office location
Pivot Planning, LLC
Highlands Ranch CO, United States
Number of offices
1
Most active in
Pivot Planning, LLC has reported serving >5 clients in these states in the last 12 months.
Colorado
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
-
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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