Reflective Financial

Reflective Financial is a fee-only independent adviser that works with individuals and high-net-worth clients to provide wealth management and financial planning, offered both on an ongoing and project basis. The firm provides discretionary portfolio management when engaged and coordinates with third‑party custodians to implement client strategies.

Investment approach is grounded in Modern Portfolio Theory, favoring diversified, primarily passive index funds and ETFs while also permitting active managers or ESG-screened options where appropriate. The firm tailors asset-allocation targets to client goals and risk tolerance, accommodates reasonable client-imposed restrictions, and monitors portfolios for rebalancing and changes in circumstances.

Noteworthy features include a billing model that relies on fixed, project, or hourly planning fees rather than the more common percentage‑of‑AUM fee, and the firm reported no assets under management as of the most recent annual filing despite serving clients — a setup that may reflect a planning-focused practice or a recently established adviser. The firm’s principal holds CFP certification and the advisory services explicitly include business planning and employee-benefits optimization, which may appeal to business‑owner clients.