fintentional.com

What It Is

Fintentional LLC is a fee-only financial planning firm based in Birmingham, Michigan, led by Michael Palazzolo, CFP®. It is not a payment gateway or fintech API company, but a Registered Investment Advisor service for individuals and families. Its core goal is to help clients understand their financial situation, create long-term financial plans, and provide ongoing guidance around retirement, investing, taxes, insurance, cash flow, and related topics. The website clearly states that its client roster is currently full and that it is not starting new Financial Planning and Investing engagements at this time.

Core Capabilities

Its services cover a fairly comprehensive personal-finance lifecycle, including retirement planning, retirement withdrawal strategies, investment analysis, asset allocation, 401(k), 403(b), Traditional/Roth IRA reviews, cash flow and debt management, employee benefits optimization, college savings, risk management, insurance reviews, self-employment planning, and coordination around estate planning. Its investment philosophy leans passive, low-cost, and broadly diversified, with an emphasis on periodic rebalancing rather than day-to-day trading management. On the technology side, it uses RightCapital, allowing clients to view their financial plans online, link accounts, use a secure document vault, and share task lists.

Pricing and Compliance

The firm uses a fixed fee-only pricing model and does not receive commissions from recommended products. The Financial Planning and Investing Program is billed quarterly in arrears: $1,125 per quarter for individuals and $1,500 per quarter for couples, with monthly billing also available. More complex situations may be priced separately. From a compliance standpoint, Fintentional states that it is a Registered Investment Advisor, that Michael Palazzolo is a CFP®, and emphasizes fiduciary responsibility as well as the XY Planning Network Fiduciary Oath.

Pros and Cons

Its advantages include transparent pricing, no minimum account size, a broad planning scope, remote service availability, and the ability to collaborate with outside professionals such as CPAs and attorneys. The drawbacks are also clear: it is not currently accepting new clients; its services are mainly geared toward the United States and exclude Texas and Louisiana; it does not provide day-to-day investment account management; and the fees may be relatively high for clients who only need a one-time consultation or have limited assets.

Who It’s For and Access from China

It is best suited to U.S.-based individuals or couples, especially Gen X and younger Baby Boomers, who need a long-term advisory relationship before retirement, semi-retirement, a career transition, or starting a business. For users in China, the main content does not provide information about access from China, cross-border account opening, or services for non-U.S. residents, so its accessibility status can only be rated as unknown.