Accountable Financial Planning LLC

Fee-Only Financial Advice You Can Trust

Tax preparation service in Westerville, OH (show on map)

Comprehensive fee-only financial planning and investment management services for individuals and families.

About

Accountable Financial Planning LLC, founded in 2009 and based in Westerville, Ohio, provides comprehensive fee-only financial planning and investment management services to individuals and families. The firm is committed to acting as fiduciaries, placing client interests first, and delivering professional advice and exceptional service for a reasonable fee.

Services include investment advice, portfolio management, cash flow and debt management, retirement planning, insurance planning, income tax planning, employer benefits analysis, college planning, and basic estate planning. The firm operates independently, receiving no compensation from insurance, mutual fund, bank, or broker companies, and adheres to a fee-only model with fully disclosed fees.

Fee-Only Financial Planning

Fiduciary Commitment

No Product Sales or Commissions

Independent Advisor

Comprehensive Service Suite

Services

Investment Management & Planning

Comprehensive investment management and planning services including portfolio management, trade execution, and employer retirement plan reviews.

Holistic portfolio analysis and diversification optimization Investment expense and tax cost optimization Access to institutional class mutual funds and Dimensional funds Retirement planning with income and expense estimates, goal-based projections, and Social Security optimization

Financial Planning

Holistic financial planning covering cash flow, debt management, insurance, college planning, and basic estate planning.

Cash flow planning and analysis Debt management and mortgage refinance analysis Insurance planning including home, auto, life, and long-term care coverage College planning guidance with cost projections and saving strategies Basic estate planning coordination with estate planning attorneys

Income Tax Preparation

Separate fee-based service for preparing income tax returns, offered to retainer clients.

Preparation of 2025 tax returns Income tax optimization and reduction strategies

Credentials & Certifications

CFP®

Since 2009

NAPFA-Registered Financial Advisor

Since 2009

Registered Investment Advisor Representative in Ohio

Since 2009

IRS Annual Filing Season Program Participant

Since 2009

Frequently Asked Questions

How much do you charge? +

Retainer (flat annual fee) varies based on client’s situation; hourly rate varies based on perceived complexity. Quotes provided after a brief no-cost, no-pressure initial consultation.

Will I pay a separate fee for financial planning and investment management? +

No. Financial planning and investment management are included in the subjectively determined annual retainer fee. Hourly arrangement available for limited scope planning.

Why don’t you charge an AUM fee for investment management services? +

Retainer fee model reduces conflicts of interest and aligns advisor and client interests, providing a better long-term outcome. Retainer fee is subjectively determined based on income, assets, complexity, etc.

How often will you review my investment portfolio? +

Retainer clients have scheduled portfolio reviews every six months with additional reviews as needed. Hourly clients require request for each planning issue.

Will you make changes to my investment portfolio without my approval? +

No. All changes are made on a non-discretionary basis, requiring client approval before trades are executed.

Will you advise me on when is the best time to get in and out of the stock market? +

No. The firm does not engage in market timing; focuses on target portfolio allocation and periodic rebalancing for risk and tax efficiency.

Will you make individual stock recommendations? +

No general individual stock recommendations; may provide advice on specific stock purchases or sales based on client needs and tax implications.

Can you prepare my income tax returns? +

Yes, potentially for retainer clients as a separate fee. Complexity may limit availability; not typically offered to hourly clients or non-clients.