BY Design Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$4,913,003
Clients
24
0% 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
24
TypicalAverage account size
$204,708
About
By Design Financial Planning advises individual and high-net-worth clients and provides investment management alongside both ongoing and project-based financial planning covering retirement, college savings, estate, tax, insurance, and business planning topics. The firm is fee-only and delivers portfolio management across common asset types such as stocks, bonds, mutual funds, ETFs, and cash equivalents.
The firm’s investment approach is goal- and allocation-driven, grounded in modern portfolio theory and often implemented with passive funds, while also accommodating socially responsible (ESG) preferences and client-imposed restrictions. It acts as a fiduciary, can manage accounts on a discretionary basis when engaged to do so, and performs periodic reviews and plan updates.
Noteworthy aspects include the capability to advise on “held-away” accounts (for example employer retirement plans, 529s, and variable annuities) via a third-party order-management link that permits allocation changes without transferring custody, and the use of a third-party manager to implement a structured box-spread options strategy intended to generate collateral for securities-backed lending solutions. The firm also discloses principals’ outside business activities (software consulting and residential rental ownership) and offers both subscription-style ongoing planning and limited-scope project engagements.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Fee options
Fixed fees up to $6,000 for project-based financial planning
$0 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.85% $5,000,000+: Negotiable
$250 per hour for project-based financial planning
Annual subscription fee ranging from $2,400 to $6,000, paid quarterly in arrears
Fee-only: Fixed fees up to $6,000; hourly rate $250/hour; fees are negotiable
Main office location
BY Design Financial Planning
104 Paisley St.
Greensboro NC 27401, United States
Number of offices
1
Most active in
BY Design Financial Planning has reported serving >5 clients in these states in the last 12 months.
North Carolina
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.
-
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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