FactorPoint Planning, LLC

FactorPoint Planning provides financial planning, consulting, and discretionary investment management services to individuals, trusts, estates, corporations and pension or profit-sharing plans under written advisory agreements. As of its April 2026 filing the firm reported no assets under management and recently filed for registration in March 2026, expecting to be eligible for SEC registration within 120 days.

The firm follows a planning‑first approach that begins with a deep‑dive discovery and the delivery of a personalized financial plan before designing investments, emphasizing evidence‑based, low‑cost, tax‑efficient, broadly diversified portfolios built primarily with systematic, rules‑based ETFs and factor tilts. For implementation it typically allocates client assets among Independent Managers and model portfolios via a TAMP, while retaining ongoing oversight and the ability to recommend limited allocations to illiquid alternatives or manager‑run strategies where appropriate.

Distinctive operational features noted in the brochure include a multi‑year contractual relationship with its TAMP provider (including a cancellation fee and fee‑credit arrangement) and receipt of software, support and marketing funds from its recommended custodian, each disclosed as potential conflicts of interest. Taken together with its explicit emphasis on tax coordination, tax‑loss harvesting and behavioral coaching, these provider relationships and the firm’s early‑stage status (no reported AUM) differentiate it from many peers in the same advisor size category.