Yavapai Financial Planning, L.L.C.

Yavapai Financial Planning, LLC provides fee-only financial planning, investment consultation, retirement-plan advice and customized asset management to individuals, trusts, estates and select institutional clients, including businesses and charitable organizations. The firm reports roughly $47.3 million in client assets managed under non-discretionary account agreements and additionally assists clients with third‑party discretionary managers that oversee further assets.

The investment process is built around asset allocation informed by Modern Portfolio Theory, with explicit use of scenario analysis and stress testing to address tail risk; portfolios are typically implemented using institutional mutual funds and ETFs and documented in an investment policy statement with periodic rebalancing. Direct asset management is delivered on a non‑discretionary basis requiring client approval for trades, while financial planning and investment consultation are offered via hourly or fixed‑fee engagements.

Compared with many independent peers, the firm’s brochure highlights several uncommon features: a primary focus on non‑discretionary accounts, servicing of corporate and charitable organization clients, and the presentation of public educational workshops that are generally pro bono or sponsor‑funded rather than product sales events. The firm also refers clients to third‑party managers and discloses that it receives a portion of the third‑party asset‑based fees for due diligence and selection, a compensation arrangement noted as a potential conflict to consider.