Investments & Financial Planning, LLC

Investments & Financial Planning, LLC is a registered investment adviser based in Lexington, Kentucky, established since June 28, 2012. The firm offers portfolio management and financial planning services, tailored to individual client needs. Portfolio management services involve discretionary management of advisory accounts through American Funds Distributors, Inc., providing access to a range of mutual funds for customized portfolios. The firm may also use a third-party platform, Pontera, for managing held-away assets. Financial planning services cover various areas such as tax planning, retirement analysis, and investment alternatives. Fees for portfolio management services are up to 1.00% annually, billed quarterly. Financial planning services are offered at fixed or hourly rates, ranging from $1,000 to $3,000 for fixed fees and $150 to $300 per hour. The firm does not accept performance-based fees or participate in side-by-side management. Investments primarily focus on no-load mutual funds and ETFs, with assets under management totaling $278,443,881 as of December 31, 2024. The firm acts as a fiduciary, providing investment advice in clients' best interests. Clients have the option to grant discretionary authority for investment decisions, and the firm does not vote client securities proxies. The firm emphasizes client privacy and does not disclose non-public personal information to third parties. Clients are encouraged to review and understand IRA rollover considerations before making decisions.