SP Wealth Planning

SP Wealth Planning is a fee-only, independent advisory firm that serves individual clients and employer plan sponsors with wealth management, investment management, financial planning, and held-away account advice. Its services include model-portfolio and separately managed account guidance (implemented through platforms noted in the brochure), assistance with fee-based annuities, and retirement plan consulting for plan sponsors.

The firm generally manages client assets on a non-discretionary basis, requiring client approval before executing transactions, and builds portfolios using asset-allocation principles and elements of modern portfolio theory with a mix of passive and active vehicles. Investment analysis incorporates fundamental, technical, cyclical and charting methods, and planning engagements may be structured as ongoing relationships or project-based assignments tailored to client needs.

Noteworthy distinctions include that essentially all reported assets are non-discretionary and the firm provides retirement plan consulting and related ERISA fiduciary advisory services to employer plans—services that are less common for solo independent advisers. The firm’s principal holds an insurance license but does not sell insurance products or affiliate with carriers, while still advising on and facilitating fee-based annuities as part of clients’ long-term strategies.