Future Perfect Planning, LLC (“Future Perfect”, “we”, “us”, “our”), was founded on October 17, 2014 and registered as an investment adviser on January 28, 2015. Cristina Guglielmetti, CFP® is the managing member and sole owner of Future Perfect Planning, LLC. As of December 31, 2023, we managed $25,246,387 in client assets on a discretionary basis. We do not manage any client assets on a non-discretionary basis. In general, the financial plan will address any or all of the following areas of concern. The client and advisor will work together to select the specific areas to cover.
• Cash Flow and Debt Management: We will conduct a review of your income and expenses to determine your current surplus or deficit along with advice on prioritizing how any surplus should be used or how to reduce expenses if they exceed your income. Advice may also be provided on which debts to pay off first based on factors such as the interest rate of the debt and any income tax ramifications. We may also recommend what we believe to be an appropriate cash reserve that should be considered for emergencies and other financial goals, along with a review of accounts (such as money market funds) for such reserves, plus strategies to save desired amounts.
• College Savings: Includes projecting the amount that will be needed to achieve college or other post- secondary education funding goals, along with advice on ways for you to save the desired amount. Recommendations as to savings strategies are included, and, if needed, we will review your financial picture as it relates to eligibility for financial aid.
• Employee Benefits Optimization: We will provide review and analysis as to whether you, as an employee, are taking the maximum advantage possible of your employee benefits.
• Estate Planning: This usually includes an analysis of your exposure to estate taxes and your current estate plan, which may include whether you have a will, powers of attorney, trusts and other related documents. Our advice also typically includes ways for you to minimize or avoid future estate taxes by implementing appropriate estate planning strategies such as the use of applicable trusts. We always recommend that you consult with a qualified attorney when you initiate, update, or complete estate planning activities. We may provide you with contact information for attorneys who specialize in estate planning when you wish to hire an attorney for such purposes. We will participate in meetings or phone calls between you and your attorney at your request.
• Financial Goals: We will help clients identify financial goals and develop a plan to reach them. We will help determine what you plan to accomplish, what resources you will need to make it happen, how much time you will need to reach the goal, and how much you should budget for your goal.
• Insurance: Review of existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile.
• Investment Analysis: This may involve developing an asset allocation strategy to meet clients’ financial goals and risk tolerance, providing information on investment vehicles and strategies, reviewing employee stock options, as well as assisting you in establishing your own investment account at a selected broker/dealer or custodian. The strategies and types of investments we may recommend are further discussed in Item

8 of this brochure.
• Retirement Planning: Our retirement planning services typically include projections of your likelihood of achieving your financial goals, usually focusing on financial independence as the primary objective. For situations where projections show less than the desired results, we may make recommendations, including those that may impact the original projections by adjusting certain variables (i.e., working longer, saving more, spending less, taking more risk with investments). o If you are near retirement or already retired, advice may be given on appropriate distribution strategies to minimize the likelihood of running out of money or having to adversely alter spending during your retirement years.
• Risk Management: A risk management review includes an analysis of your exposure to major risks that could have a significant adverse impact on your financial picture, such as premature death, disability, property and casualty losses, or the need for long‐term care planning. Advice may be provided on ways to minimize such risks and about weighing the costs of purchasing insurance versus the benefits of doing so and, likewise, the potential cost of not purchasing insurance (“self‐insuring”).
• Tax Planning Strategies: Advice may include ways to minimize current and future income taxes as a part of your overall financial planning picture. For example, we may make recommendations on which type of account(s) or specific investments should be owned based in part on their “tax efficiency,” with consideration that there is always a possibility of future changes to federal, state or local tax laws and rates that may impact your situation. We recommend that you consult with a qualified tax professional before initiating any tax planning strategy, and we may provide you with contact information for accountants or attorneys who specialize in this area if you wish to hire someone for such purposes. We will participate in meetings or phone calls between you and your tax professional with your approval. Services Offered Initial plan: client relationships begin with an in-depth review of their finances, offered on a fixed fee basis. Clients schedule a complimentary 30-minute telephone or video conference or in-person meeting, during which the items to be explored are discussed. A proposal is prepared for the prospective client, and if accepted, a financial planning agreement is provided to the client in accordance with the scope of the work to be performed as well as the all-inclusive fee to be paid. A signed agreement and payment in full is required before planning work can begin. Clients will be provided with a written report of all recommendations and strategies to be implemented. Ongoing comprehensive financial planning: after the initial planning process, clients can elect to continue the planning relationship with an annual retainer engagement. A fee proposal is prepared for the prospective client, and if accepted, an agreement is provided. At minimum, two planning sessions per year are included and more can be scheduled if client circumstances warrant. A planning-only engagement does not include investment management. Investment management: clients seeking professional management of their assets (taxable or tax-advantaged) in addition to ongoing planning can elect to include this service. Fees pertaining to all services are outlined in Item 5 of this brochure.