Skaggs Financial Planning, LLC

Skaggs Financial Planning, LLC serves individual and high‑net‑worth clients with ongoing portfolio management and comprehensive financial planning, and also offers hourly and occasional pro bono advisory work. The firm disclaims custody of client funds and reports that it directly managed approximately $22.4 million on a discretionary basis as of the date of its brochure.

The firm’s investment approach is grounded in a market‑efficient view and Modern Portfolio Theory, emphasizing asset allocation as the primary driver of returns and typically implemented with no‑load, institutional asset‑class mutual funds and exchange‑traded funds. Within that framework it habitually tilts portfolios toward value and small‑company exposures, shorter‑term and higher‑credit quality bonds, and a relative overweight to U.S. and emerging market equities versus developed non‑U.S. equities.

Several operational practices distinguish the firm from many peers: it accepts hourly and pro bono engagements but does not ordinarily monitor or report on those accounts on an ongoing basis; it discloses use of directed brokerage relationships and receipt of certain research or “soft dollar” benefits that could influence vendor recommendations; and it follows a specific trade‑error policy in which the firm absorbs losses from corrective trades while profits from some errant trades may remain in client accounts.