True Riches Financial Planning

True Riches Financial Planning is a small, fee-only independent adviser that serves individuals and high-net-worth clients with ongoing comprehensive financial planning and discretionary investment management, operating as a “Personal CFO” for clients. The firm also offers limited-scope project-based or hourly planning and provides tax preparation services through the firm principal as an affiliated accounting activity.

The firm delivers tailored plans that address cash flow, retirement and employee benefits optimization, estate and insurance reviews, and tax planning, and it implements portfolios using a mix of passive and active strategies, including socially responsible options and the use of outside managers for direct-indexing. Investment management is typically discretionary, subject to client-imposed restrictions, and client accounts are reviewed on a regular schedule with ongoing monitoring.

Distinctive features include the principal’s CPA qualifications and the provision of tax-preparation services as an affiliated business, an accounting-related affiliation that is uncommon among similar independent advisers and is disclosed as an outside business activity. The firm also favors an all-in-one flat-fee model for combined planning and ongoing management rather than relying solely on percentage-of-assets billing, and it operates with a very small client roster, enabling a boutique, highly personalized service model that sometimes leverages institutional sub-advisory strategies.