Theory Planning Partners
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About
Theory Planning Partners works primarily with small- to mid-size business owners and their executives, while also serving individual clients, trusts, and estates. The firm provides executive financial planning and corporate consulting—covering cash-flow and tax planning, executive benefit design, employer-sponsored retirement plan coordination, business enhancement, and exit and estate planning—alongside investment portfolio management.
Theory emphasizes collaborative, long-term portfolio construction grounded in strategic asset allocation and principles of modern portfolio theory, using broadly diversified mutual fund and ETF-based model portfolios with variance rebalancing and tax-aware management. The firm delegates trade execution and model implementation to third-party providers and may allocate assets to sub‑advisers while retaining discretionary oversight and coordinating closely with clients’ CPAs, attorneys, and company leadership.
Noteworthy aspects include a service model that integrates executive planning and corporate consulting with portfolio management and an active role in sourcing and vetting non-investment advisors for lower‑middle‑market business owners. The firm also discloses a prior regulatory consent order in one state relating to unregistered advisory activity that was resolved without admission of wrongdoing, and it states it maintains ongoing oversight of sub‑advisers and third‑party trading providers.
Client services
Expertise
Occupation focus
Fee options
Fee-only: Executive Planning and Corporate Consulting fees are fixed at $4,500 upfront onboarding fee and $1,500/month thereafter, with a 3% annual increase on the monthly fee. Portfolio management is included at no extra charge within this service.
Main office
Marblehead MA
Advisors at this office
3
Most active in
California · Florida · Illinois · Louisiana · Massachusetts · New York · North Carolina · Tennessee · Texas · Utah · Washington
Also doing business as
Theory Planning Partners · Theory Planning Partners, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Corrinne R
CFP®
Marblehead, MA
Theory Planning Partners
Corrinne Rivers is a CFP® professional with three years of industry experience, currently serving as an advisor at Theory Planning Partners. She has previously worked with Childfree Wealth and Ellevest, and contributed to Kitces.com for five years. Theory Planning Partners works primarily with small- to mid-size business owners and their executives, providing executive financial planning, corporate consulting, and investment portfolio management focused on broadly diversified, tax-aware model portfolios.
Kaitlyn C
CFP®, Series 63, Series 65
Marblehead, MA
Theory Planning Partners
Kaitlyn Carlson is a CFP® with 12 years of industry experience and currently works at Theory Planning Partners. Her prior experience includes roles at Civitas, Minot Wealth Management, and UBS Financial Services. Theory Planning Partners serves small- to mid-size business owners and their executives, as well as individual clients, trusts, and estates. The firm combines executive financial planning and corporate consulting with investment portfolio management, emphasizing long-term, diversified portfolios and coordination with clients’ other professional advisors.
Cayla O
Series 65
Marblehead, MA
Theory Planning Partners
Cayla Orris is a financial advisor at Theory Planning Partners with a Series 65 credential and one year of industry experience. Prior to joining Theory Planning Partners in 2025, she worked at KPMG US for four years and held positions at Duff & Phelps, Sofer Advisors, and Voya Financial. Theory Planning Partners serves small- to mid-size business owners and their executives, as well as individual clients, trusts, and estates. The firm offers executive financial planning, corporate consulting, and investment portfolio management using diversified mutual fund and ETF-based model portfolios with a focus on strategic asset allocation and tax-aware management.
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