chisholmfinancialplanning.com

What It Is

Chisholm Financial Planning and Investments is a financial planning and investment management advisory firm based in Henderson, New York, serving the Watertown and North Country regions. According to the website, founder Jenny Logan is a Certified Financial Planner™ / CFP®, and the firm operates as an independent Registered Investment Advisor / RIA. It is not a payment gateway, acquiring institution, or cross-border payment platform, but rather a provider of wealth and life-stage financial planning services for individuals, families, and business owners.

Core Capabilities

Its services cover retirement planning, college education planning, estate planning, wealth management, tax strategies, and investment management. The financial planning component emphasizes starting from the client’s complete financial picture, including cash flow, retirement projections, investment and tax strategies, insurance, and long-term care. Investment management focuses on building portfolios based on goals, risk tolerance, and time horizon, with ongoing monitoring, rebalancing, and adjustments in response to market changes. From a compliance perspective, the website clearly highlights CFP® certification, RIA independence, and fiduciary duty, positioning the firm more as a fiduciary advisor than a commission-driven sales provider.

Pricing

The pricing structure is relatively clear but lacks specific figures. One-time financial plans are charged on a fixed-fee basis, depending on the complexity of the client’s situation. Ongoing investment management is charged as a percentage of portfolio size, using a sliding fee schedule that varies with assets under management. If a client first completes a financial plan and then engages the firm for investment management, the planning fee may be credited toward or reduce the first year’s management fee. The website does not disclose minimum asset requirements, a detailed fee schedule, or sample quotes.

Pros and Cons

The advantages are clear professional credentials, an emphasis on fiduciary responsibility, and support for both in-person and remote communication, making it suitable for clients seeking a long-term trust-based relationship and localized service. Its service scope is also fairly comprehensive and is not limited to buying and selling investment products. The drawbacks are limited fee transparency, with no disclosure of custodians, historical performance, details on investment instruments, or service response standards. From a payments/fintech perspective, there is no information on supported payment methods, settlement cycles, merchant acquiring, API integration, or transaction risk controls, so it should not be evaluated as a payment service provider.

Who It’s For and Access from China

It is better suited to residents of northern New York State, retirees, military families, local business owners, and people who need coordination around education savings, tax planning, and estate planning. For Chinese users looking for cross-border payments, collections, or developer APIs, this website is not a match. The provided text does not include information on access from mainland China, so its accessibility is unknown.