Pittsburgh, PA Office

Templeton Financial Planning works with individuals and families across income levels and maintains no minimum asset requirement, operating with a small client base (about 15 clients) and custodying roughly $13.4 million in client securities at Charles Schwab. The firm provides fee-only comprehensive financial planning services including investment advice, integrated tax planning and preparation, audit protection, retirement and education planning, and estate plan reviews.

The firm generally delivers investment recommendations on a non-discretionary basis, requiring prior client approval for each trade and only executing transactions when clients authorize them and provide a limited power of attorney. Portfolios are built around clients’ tax situations, risk tolerance and goals and commonly use no-load mutual funds, ETFs and indexed strategies with periodic rebalancing rather than active market timing.

Several features distinguish the firm from many peers: it maintains five offices despite operating with two advisors and a small client roster, and a large share of its practice is devoted to tax preparation and related services (about 70% of the owner’s professional time). Templeton Financial Planning is fee-only but typically uses flat retainers, project and hourly arrangements rather than percentage-of-AUM fees, and participates in industry networks (Alliance of Comprehensive Planners and NAPFA) that provide shared resources and continuity options for clients.