The ABC Squared

The ABC Squared provides financial planning services to individual clients through tiered offerings labeled Basic, Personalized, and Advanced, covering investment planning, life insurance, tax and retirement planning, college funding, and debt/credit management. The firm operates as a small independent practice with a limited client base and uses a mix of fixed, hourly and asset‑based fee options for planning engagements.

The firm does not provide ongoing portfolio management or trading for client accounts; financial planning engagements are generally completed at plan delivery unless a client requests additional services. Its stated methods of analysis include cyclical, fundamental, modern portfolio theory and technical analysis, and it generally recommends a long‑term trading approach for clients who implement its recommendations.

The brochure discloses that the principal is a licensed insurance agent who may receive commission compensation for sales of insurance products, and the firm acknowledges this as a conflict of interest while noting advisory fees are not reduced to offset commissions. It also reports assets under management while simultaneously stating it does not have discretionary trading authority and does not trade or recommend custodians for client accounts, an uncommon combination relative to many independent advisors; the brochure further notes the principal’s volunteer involvement with a financial‑literacy nonprofit.