Who We Are

Lodestar Financial Planning is Skip Fleming's small and personal practice, but "we" are much more than that. We are an office and Investment Advisor Representative of Garrett Investment Advisors, LLC.


Garrett Investment Advisors, LLC, is a fee-only SEC Registered Investment Advisor firm and an offering for members of the Garrett Planning Network, Inc., an international network of fee-only financial advisors and planners.

Garrett Investment Advisors, LLC is an independent firm and our goal is to make competent and objective advice accessible through hourly as-needed financial planning.

With the Garrett Investment Advisors, LLC and the Garrett Planning Network behind him, Skip gains economical access to sophisticated planning tools and can worry less about all the administrative issues so he can devote more of his time to his clients. Skip's clients benefit from Garrett Investment Advisors, LLC oversight and the wealth of specialized knowledge that Skip can access from the whole Garrett Planning Network. Everyone can use a competent and trustworthy second opinion; who provides yours?  

About Our Name & Logo

Per Merriam-Webster, the definition of LODESTAR is something or someone that leads or guides a person or group of people

1: a star that leads or guides; especially: North Star
2: one that serves as an inspiration, model, or guide

We choose Lodestar as a name that reflected our passion for making a positive difference in the lives of others by guiding them toward their own definition of financial security and success.


Our Logo is an eight-pointed star lighting a path toward the future. This star has ancient and universal symbolism as one of balance, harmony, and cosmic order. Our hope is to live up the high standard of inspiring you to create the future you deserve by guiding you towards your financial future in balance, order, and harmony.  

Our Founding Principles:

Competent, Trustworthy and Affordable advice for the rest of us

Competent – We have over 15 years experience in the financial services industry helping ordinary hard-working families in creating their own financial plans. As a Certified Financial Planner ProfessionalTM, Skip has achieved the gold standard in the financial services industry. He has served in a variety of leadership positions both in the U.S. Marine Corps and in the Financial Planning Association.

Trustworthy – We work with clients on a Fee-Only basis, meaning we do not accept commissions of any kind. We feel this is the most objective way to provide financial advice. We work with clients on a fiduciary basis, meaning our only loyalty is to our clients – not a brokerage firm, insurance or a mutual fund company. We feel this is the best way to provide financial advice.

Affordable – We work with clients on an hourly basis, meaning clients simply pay a fixed fee, based on the estimated amount of time dedicated to the project and the scope of the project. Clients are billed only for as much of our services that they desire. We feel this is a very affordable way to obtain financial advice.

The rest of us – many hard-working Americans believe that financial planning is only for the wealthy. At Lodestar Financial Planning, we believe that every hard-working American deserves to have competent, trustworthy and affordable financial advice on their terms. We may not all be wealthy but we rarely deserve to be poor.