BILLFOLD BUDGET COUNSELING

Overview

Billfold Budget Counseling is a small, sole-proprietor independent RIA focused on financial planning and budgeting advice for individual and family clients. The firm operates as a planning-first practice rather than a discretionary asset manager: it offers hourly, subscription, and fixed-fee engagements instead of charging a percentage of assets. It is not a capital allocator and does not serve as a pension consultant or related adviser. The firm does not identify as an active ESG investor and is not registered to operate across multiple states. Service delivery centers on financial planning and budget counseling rather than portfolio management. That positioning suggests client work emphasizes cash-flow management, debt reduction, goal-based planning and ongoing advisory relationships billed through time- or project-based fees rather than AUM-based portfolio oversight.

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