Portland, OR SW Morrison St Office

Xena Financial Planning, LLC provides discretionary investment management and ongoing financial planning primarily to individual and high‑net‑worth clients. Services described in the brochure include retirement and income planning, cash‑flow and debt analysis, college savings, estate and tax‑aware planning, insurance review, and implementation of investment policy statements.

The firm’s investment approach emphasizes passive portfolio construction informed by Modern Portfolio Theory, using low‑cost index mutual funds and ETFs, while also describing the use of fundamental, technical, and cyclical analysis as part of its research toolkit. Clients engage with planners on an ongoing basis to create and monitor customized financial plans, with the ability to impose reasonable account restrictions and receive periodic account reviews.

Compared with many peers, Xena’s materials note the use of third‑party ratings and client testimonials in its marketing and an active program of educational seminars and paid editorial contributions, which the brochure characterizes as purely educational and sometimes provided pro bono. The brochure also discloses legacy custody relationships that include vendor‑service reimbursements from a custodian and a practice of frequently waiving its stated planning fee for larger investment management clients, which are operational features that distinguish the firm from many similar advisors.