Chappell Financial Group

Chappell Financial Group provides comprehensive written financial planning to individuals and small businesses, covering areas such as retirement, education funding, estate and long‑term care planning, disability and life insurance planning, asset allocation, and charitable planning. The firm operates as a registered investment adviser that delivers standalone plans but does not act as an investment manager for client accounts; implementation can occur through the firm’s principal in his capacities as a registered representative or investment adviser representative of LPL Financial or through other brokers or advisors chosen by the client.

The firm’s recommendations follow generally accepted investing principles, favoring diversified vehicles such as mutual funds, separately managed accounts, annuities and alternative investments, and it notes that most recommendations involve the risk of loss. Financial plans are reviewed quarterly during the first year and annually thereafter, and the firm does not accept custody of client funds or discretionary trading authority.

Noteworthy features include the principal’s active role as a licensed insurance agent appointed with numerous insurance companies and the firm’s willingness to offer hourly billing as an option while not relying on percentage‑of‑assets‑under‑management fees—both practices that are uncommon among peers in this category. The brochure discloses potential conflicts of interest from recommending products implemented through the principal’s roles at LPL or as an insurance agent and expressly gives clients the option to implement plan recommendations with other providers.