Cedar Grove Financial Planning, LLC

Cedar Grove Financial Planning is a fee-only financial planning firm that provides fiduciary planning services to individuals and families, with stated additional expertise serving United States Foreign Service members, military service members, and other U.S. citizens temporarily residing abroad. The firm’s Form ADV also indicates it may serve a range of non-individual clients — including charitable organizations, corporate and business clients, pension or profit-sharing plans, banking and insurance entities, state or municipal clients, other investment advisers, and sovereign wealth-type clients — a client mix that is less common for solo independent advisers.

The firm delivers planning on a flat-fee or hourly basis through a multi-meeting process that follows the CFP Board’s collaborative, holistic planning steps and uses third-party research and planning software (including Monte Carlo analysis) for scenario modeling. Cedar Grove does not manage client assets, does not accept investment discretion, and does not charge percentage-of-assets-under-management fees, so recommendations are provided for clients to implement and monitor.

Noteworthy for a single-advisor practice, Cedar Grove combines specialized cross-border and military/foreign-service planning experience with an ADV-identified breadth of institutional and non-individual client types and occasional educational seminars or workshops. The firm also emphasizes behavioral finance in its planning and may offer discretionary discounts or pro bono seminar work for certain groups (for example, active and retired military), practices that stand out relative to many peers.