Financial Freedom House

Cygnet Financial Planning, Inc. is a federally registered investment adviser established in 1982 and headquartered in Waterford, Michigan. The firm specializes in providing portfolio investment management, investment advisory, and financial planning services to individuals, businesses, corporations, estates, trusts, and qualified retirement plans. Cygnet is a fiduciary firm, acting in the best interests of its clients. The firm's investment philosophy is grounded in Modern Portfolio Theory and the Efficient Market Hypothesis. For Cygnet Managed Accounts, clients are charged an annual fee based on a tiered fee schedule ranging from 0.40% to 1.50% depending on the account value. Cygnet Managed Annuities have a fixed annual fee of 1.25%. The firm does not charge performance-based fees. Cygnet primarily uses no-load index mutual funds, passively managed institutional mutual funds, and ETFs for client investments. Clients have the option to grant Cygnet discretionary authority for trading and portfolio management. The firm reviews client accounts at least annually, with additional reviews triggered by changes in the client's financial situation or market conditions. Cygnet does not vote proxies on behalf of clients and does not have custody of client assets. The firm has a clean disciplinary record and maintains a strong financial condition. Clients can contact Cygnet for a complete copy of their brochure or visit the SEC's website for additional information.