Cypress Financial Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Cypress Financial Planning reports 432 clients. They include 319 individual clients, 108 high-net-worth individuals, and 5 pension and profit-sharing plans. Of its assets, 69.8% ($343M across 1,170 accounts) are managed with discretion; $148M across 412 accounts are not. It advised 53 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 74% | 37% |
| High-net-worth individuals | 25% | 62% |
| Pension and profit-sharing plans | 1% | <1% |
| Charitable organizations | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 319 | $181M | 37.0% | $569K |
| High-net-worth individuals | 108 | $305M | 62.1% | $2.82M |
| Pension and profit-sharing plans | 5 | $3.52M | 0.7% | $704K |
| Charitable organizations | Fewer than 5 | $846K | 0.2% | — |
| Total | 432 | $490M | 100% | — |
- Clients
- 319
- Regulatory AUM
- $181M
- AUM share
- 37.0%
- Avg. per client
- $569K
- Clients
- 108
- Regulatory AUM
- $305M
- AUM share
- 62.1%
- Avg. per client
- $2.82M
- Clients
- 5
- Regulatory AUM
- $3.52M
- AUM share
- 0.7%
- Avg. per client
- $704K
- Clients
- Fewer than 5
- Regulatory AUM
- $846K
- AUM share
- 0.2%
- Avg. per client
- —
Total
- Clients
- 432
- Regulatory AUM
- $490M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 53
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Cypress Financial Planning charges 0.39%–1.20% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.20% |
| $1M–$2M | 1.05% |
| $2M–$3M | 0.92% |
| $3M–$4M | 0.79% |
| $4M–$5M | 0.66% |
| $5M–$7.5M | 0.54% |
| $7.5M and above | 0.39% |
Fee details and sources
Other fees
- Financial Planning
- Financial planning is a fixed fee, typically $1,500 to $5,000, depending on the nature and complexity of each client’s circumstances, due in arrears.
Jeffrey Jones owns 75% or more of Cypress Financial Planning. The leadership team of Cypress Financial Planning includes Chief Investment Officer Bradley Sorensen and Chief Compliance Officer Kurt Ruoff. It has 7 employees, 6 of them in advisory roles.
Leadership
Kurt RuoffManaging Partner, Chief Compliance Officer and Senior Financial Planner
Jeffrey JonesOwner, Principal and Senior Financial Planner- Benjamin PittsOwner and Principal
Evan PowersPrincipal and Financial Planner- Bradley SorensenChief Investment Officer
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
Staff
- 7 employees
- 6 in advisory functions
- 6 state-registered reps
- Owns 75% or more of Cypress Financial Planning, LLC
Jeffrey Jones
Control person · since April 2026
- Owns 10% to 25% of Cypress Financial Planning, LLC
Evan Powers
Control person · since December 2016
- Owns 10% to 25% of Cypress Financial Planning, LLC
Kurt Ruoff
Control person · since April 2026
- Owns 5% to 10% of Cypress Financial Planning, LLC
Benjamin Pitts
Control person · since May 2012
Cypress Financial Planning’s regulatory assets grew 2.5× from $199M (July 2021) to $490M (July 2026); clients rose from 279 to 432 and employees from 5 to 7.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $490M | 432 | 7 | 4 |
| June 2025 | $395M | 424 | 7 | 4 |
| January 2024 | $308M | 390 | 6 | 3 |
| February 2023 | $234M | 362 | 6 | 2 |
| July 2022 | $250M | 326 | 6 | 2 |
| July 2021 | $199M | 279 | 5 | 2 |
Besides its headquarters, Cypress Financial Planning has 3 offices (2 private residences, listed without an address), with 2 listed addresses in New Jersey and Virginia.
New Jersey · 1 listed address
- 400 White Horse Pike, Haddon HeightsHQ
Virginia · 1 listed address
- 700 Harris Street, Charlottesville
Contact and registration details
- Legal name
- Cypress Financial Planning, LLC
- Headquarters
- 400 White Horse Pike, Haddon Heights, NJ 08035
- Website
- cypressplanning.com
- Phone
- 856-720-0027
- @cypress-financial-planning
- SEC file
- 801-112700
- Founded
- 2009
- Structure
- New Jersey LLC
- Fiscal year end
- December
Cypress Financial Planning uses Charles Schwab ($423M) as custodian for its separately managed accounts. Cypress Financial Planning does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $423M100%
At year end, Cypress Financial Planning’s separately managed accounts were mostly in funds (76%) and bonds (12%). Its reported 13F holdings for the quarter ended 30 June 2026 total $413M across 109 positions; the largest are iShares TR (10.0%), Vanguard Scottsdale Fds (9.7%) and Vanguard Scottsdale Fds (9.4%).
What the accounts hold
- Stocks11%
- Funds76%
- Bonds12%
- Investment grade corporate bonds11%
- U.S. government and agency bonds1%
- Cash1%
Reported 13F holdings
- $413M
- Reported 13F value
- 109
- Positions
- 70.5%
- In the 10 largest
- +13.9%
- Value vs. prior quarter
- iShares TR · Core S&P500 ETF10.0%
- Vanguard Scottsdale Fds · Int-term Corp.9.7%
- Vanguard Scottsdale Fds · Inter Term Treas9.4%
- Vanguard Scottsdale Fds · Shrt Trm Corp. BD8.9%
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt8.5%
- Vanguard Index Fds · Extend Mkt ETF7.2%
- iShares TR · Core Div Grwth4.9%
- Vanguard Index Fds · Real Estate ETF4.6%
- Janus Detroit Str TR · Henderson Mtg4.5%
- iShares TR · Core MSCI Eafe2.9%
Together, the ten largest are 70.5% of reported value.
How many clients does Cypress Financial Planning have?
Cypress Financial Planning has 432 clients and manages $490 million for them, as of July 2026. They include 319 individual clients, 108 high-net-worth individuals, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 21 July 2026
What services does Cypress Financial Planning offer?
Cypress Financial Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Cypress Financial Planning charge?
Cypress Financial Planning charges 0.39%–1.20% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: 10 06 2026 CYP FORM ADV PART 2A AND 2B FINAL, filed 6 October 2026
Which custodians does Cypress Financial Planning use?
Cypress Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $423M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 July 2026
How many financial advisors does Cypress Financial Planning have?
Cypress Financial Planning has 6 investment adviser representatives registered with state securities authorities, out of 7 employees, and 6 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Cypress Financial Planning invest in?
At the end of its last fiscal year, Cypress Financial Planning’s separately managed accounts held 76% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 11% investment grade corporate bonds, 1% U.S. government and agency bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Cypress Financial Planning?
Cypress Financial Planning’s direct owners are Jeffrey Jones (75% or more), Benjamin Pitts (5% to 10%), Evan Powers (10% to 25%) and Kurt Ruoff (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 21 July 2026
How does Cypress Financial Planning get paid?
Cypress Financial Planning is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Cypress Financial Planning?
Cypress Financial Planning’s main office is at 400 White Horse Pike, Haddon Heights, NJ 08035. Its phone number is 856-720-0027. Its website is cypressplanning.com.