B
Black Brook Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$32,668,000
Clients
38
21% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
38
HighAverage account size
$859,684
About
Black Brook Financial Planning is a small independent registered investment adviser that provides advisory and discretionary investment management and financial planning to individuals, trusts, charitable organizations and corporations. The firm's brochure reports it managed approximately $37.8 million in discretionary client assets as of December 31, 2025 and it typically works with clients saving for retirement or managing retirement income.
The firm uses a conservative, long‑term, value‑oriented asset allocation approach tailored to each client's stated risk tolerance, employing mutual funds, ETFs, individual stocks, bond funds, municipal and corporate bonds, CDs and treasuries. It generally accepts discretionary authority after detailed client discussions, performs account reviews at least quarterly, and uses Charles Schwab for custody and research while drawing on third‑party market publications for analysis.
What is distinctive relative to many peers is that the firm advises and provides portfolio management to charitable organizations and to corporate/institutional clients, and the principal maintains external financial roles (including CFO responsibilities and a treasurer role at a nonprofit) that have led to circumstances where the adviser may have custody when acting in an officer capacity. The firm does not accept commissions or performance‑based fees, does not aggregate trades due to low trading volume, and offers flexible billing arrangements (hourly, flat fee, or percentage of assets) while working with clients who may not meet a formal account minimum.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
General tax planning
Fee options
Annual flat fee negotiated with client; not to exceed 3.0% of assets under management.
$0 - $2,000,000: 0.40% $2,000,001+: 0.20%
$150 per hour with a minimum of one hour.
Fee-only: Flat fee negotiated, up to a maximum of 3.0% of assets under management annually.
Main office location
Black Brook Financial Planning
Gorham ME, United States
Number of offices
1
Most active in
Black Brook Financial Planning has reported serving >5 clients in these states in the last 12 months.
Maine
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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