Pulse Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$22,600,095
Clients
41
17% 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
41
HighAverage account size
$551,222
About
Pulse Financial Planning is a state-registered, independent advisory that works with individual clients, including higher-net-worth individuals, providing discretionary portfolio management and ongoing, subscription-style financial planning. The firm reports managing roughly $22.6 million across about 41 client relationships and typically obtains discretionary trading authority to implement each client’s investment plan.
The firm’s investment process is grounded in Modern Portfolio Theory and a primarily passive approach, using diversified asset-class funds and asset-allocation targets defined in a client-specific investment policy statement. Financial planning is delivered one-on-one on an ongoing basis with written plans, monitoring, and periodic reviews, and the planning engagement and its level of ongoing service are adjusted in relation to the assets a client chooses to have managed.
Noteworthy features include a published planning subscription model that is reduced as assets under management grow, which ties the planning relationship closely to AUM in a way that is less common for solo advisers. The firm does not aggregate client trades into block orders and maintains a temporary springing co-advisory continuity agreement with an external adviser to cover short-term incapacity, which would involve limited sharing of client non-public information to continue services.
Client services
Financial planning
Portfolio management
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Fee options
$0 - $500,000: 0.8% $500,001+: 0.50%
Minimum fee: Ongoing Financial Planning fee of $5,000 annually (billed monthly or quarterly) for clients with $0 - $200,000 AUM, decreasing with higher AUM as low as $0 for $1,000,001 and above Fee-only: Ongoing Financial Planning fee as described above, fixed annual fee billed monthly or quarterly, negotiable and decreasing with AUM
Main office location
Pulse Financial Planning
Oronoco MN, United States
Number of offices
1
Most active in
Pulse Financial Planning has reported serving >5 clients in these states in the last 12 months.
Minnesota · Texas
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.
-
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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