Southshore Financial Planning

Southshore Financial Planning provides discretionary and non-discretionary portfolio management together with comprehensive and limited-scope financial planning to individuals and a smaller set of other clients, including high-net-worth individuals, charitable organizations, and businesses. The firm also coordinates ancillary services for clients, such as tax return preparation through a third‑party CPA firm and estate-document assistance via outside scrivener services or attorneys.

The firm’s investment process centers on fundamental analysis within a modern portfolio theory framework and generally favors passive implementation using index mutual funds and ETFs. Portfolios are constructed around client-specific investment policy statements, and the adviser performs ongoing monitoring, rebalancing and reviews — including implementation for held-away accounts such as 401(k)s via an order management system when applicable.

A notable operational distinction is that the firm does not use a percentage-of-assets fee model; instead it discloses fixed monthly, project-based and hourly fee arrangements and an annual CPI-linked fee escalation. The brochure also discloses use of solicitor and referral arrangements (including participation in a referral network) and coordination with multiple third‑party providers, and the firm’s materials indicate the use of client testimonials in advertising, a practice relatively uncommon among peer independent advisers.