Carpe Diem Financial Life Planning

Overview

Carpe Diem Financial Life Planning is a small, independent registered investment adviser operating as a sole proprietorship that focuses on financial planning and portfolio management for individual and family clients and small businesses. The firm charges fixed and hourly fees rather than asset-based ongoing fees, and it provides advice in a non‑discretionary capacity—meaning the adviser recommends investment actions while clients retain final trading authority. The firm’s activities also include accounting and the sale of other financial products, which suggests an emphasis on integrating tax and cash‑flow considerations into planning work. Investment preferences skew toward equities, with a clear emphasis on exchange‑traded instruments. The adviser does not flag itself as an active ESG investor and is not structured as a multi‑state or capital‑allocating adviser. Given the single‑client, single‑account profile and the hourly/fixed fee model, the firm appears oriented toward bespoke planning engagements and consultative portfolio recommendations rather than a mass-market, discretionary asset management platform.

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Location & Offices