Forma Financial Planning is a fee-only financial planning and investment advisory firm based in Boerne, Texas, serving families nationwide through virtual meetings. Led by Dave Bartoski, CFP®, the firm brings nearly two decades of financial experience to helping established professionals and retirees make informed decisions and use their resources effectively. Its approach emphasizes personalized strategies, clear communication, flexibility, and fiduciary advice focused on clients’ best interests.

Services include retirement planning, investment management, education funding, emergency and risk management, estate planning, and tax strategies. Forma helps clients prepare for retirement income, select and monitor investments, plan for education costs, consider insurance needs, coordinate estate documents with attorneys, and understand how financial decisions may affect taxes, Social Security, and Medicare. The firm is commission-free and does not sell insurance products; clients pay directly for its advice. Investment management fees are based on assets under management and billed quarterly. Forma typically serves households with at least $500,000 in investible assets, though the minimum may be reduced or waived case by case.