Plain Talk Financial Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Plain Talk Financial Planning, LLC provides investment management and comprehensive financial planning for individual and high‑net‑worth clients. Its planning services are offered on both ongoing and project‑based bases and cover retirement, estate, tax, cash‑flow, business succession, employee benefits optimization, college savings, insurance review, and investment analysis.
The firm implements portfolios using asset allocation grounded in modern portfolio theory and a mix of passive and active strategies, and it may use third‑party model portfolios and outside managers to execute client allocations. It can tailor portfolios for client‑imposed restrictions, offers socially conscious (ESG) options when requested, and discloses that some clients may have exposure to cryptocurrency‑related investments or vehicles.
Notable distinctions include a very small client roster and modest assets under management, which the brochure positions as enabling individualized planning and account handling, and an explicit policy not to aggregate or block trades across clients. The firm’s principal brings a technical engineering background plus recent certifications in financial planning and blockchain/digital assets—an uncommon combination for a small independent adviser—and the firm operates as a fee‑only adviser on an institutional custody platform without accepting third‑party sales compensation.
Client services
Expertise
Fee options
Fixed fees ranging between $500 to $10,000 for project-based financial planning.
$0 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.90% $5,000,001+: 0.80%
Hourly rate of $250 for project-based financial planning.
Recurring ongoing financial planning fees range from $250 to $10,000 per quarter.
Minimum fee: Initial ongoing financial planning fee up to $2,500; recurring ongoing financial planning fees range from $250 to $10,000 per quarter. Fee-only: Financial planning fees with fixed fees ranging from $500 to $10,000 and hourly fee of $250/hour.
Main office
Amesbury MA
Advisors at this office
1
Most active in
Massachusetts
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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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.
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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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