WHO WE ARE
MICHAEL HART, CFP® is the founder of OPEN BOOK FINANCIAL PLANNING, an advice-only, fee-for-service financial planning firm that believes financial guidance should be TRANSPARENT, as CONFLICT-FREE as possible, and accessible to everyone. Michael is deeply passionate about helping people make sense of their financial lives and empowering them with the knowledge and tools to build a secure future—without the jargon, sales pressure, or asset minimums.
With over 18 YEARS OF EXPERIENCE in personal finance and a background that includes WEALTH MANAGEMENT, TAX PLANNING, AND ESTATE STRATEGY, Michael saw firsthand how often clients were being sold products they didn’t need or given advice that wasn’t in their best interest. That experience is what drove him to launch Open Book: to be a true fiduciary and an open, honest partner to those navigating financial decisions.
He became a CERTIFIED FINANCIAL PLANNER™ professional to deepen his expertise and serve clients the right way. He also holds a deep appreciation for simplicity—breaking down complex topics into understandable, actionable steps. His focus is on building strong relationships with clients, meeting them where they are, and helping them get where they want to go. He believes financial planning should be COLLABORATIVE, EMPOWERING, and even ENJOYABLE.
MEET THE TEAM
MICHAEL HART, CFP®
THE FOUNDER
“ I became a financial advisor because I saw too many hardworking individuals struggling with financial uncertainty while dealing with an industry where the asymmetry of information is staggering, and I wanted to provide clear, conflict-free advice that empowers people to take control of their financial future.
I love helping clients simplify complex financial concepts, giving them the confidence to make informed decisions about their investments, taxes, and long-term financial strategies.
The most powerful lesson I’ve learned is that financial success isn’t about making the most money—it’s about making intentional, informed choices that align with your goals and values. “
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Certified Financial Planner (CFP®)
Magna cum laude graduate of the University of Maine at Presque Isle
18 years of experience in wealth management, tax planning, and estate strategies
Member of the New Jersey chapter of the Financial Planning Association (FPA)
Flat-fee, advice-only financial planner—no commissions, no AUM fees, just unbiased advice
PANTS
CHIEF BARKETING OFFICER
“ Bark… bark. Bark… bark bark bark. Bark bark bark… bark… bark bark bark. Bark bark… bark.“
When asked what he values most, Michael says, “Being on the same side of the table as my clients. No hidden fees, no commissions, no conflicts. Just honest, thoughtful guidance from someone who genuinely cares.”
Outside of work, you’ll often find Michael with his wife, Allison, and his daughter, Cecilia. Michael's other hobbies include playing the guitar, Brazilian Jiu Jitsu, or "reading" a good audiobook.
What We Stand For
At Open Book Financial Planning, we believe TRANSPARENCY IS EVERYTHING. Our firm was built to eliminate the conflicts of interest that often cloud traditional financial advice. We charge a flat hourly or subscription-based fee, so you know exactly what you’re paying and what you’re getting. We do not sell products or manage investments for a percentage fee, because we believe the best advice comes from someone who’s not trying to sell you anything.
Our approach is straightforward:
Provide personalized advice based on your goals, values, and current financial situation.
Educate you along the way so you feel confident and in control of your decisions.
Create flexible, actionable plans that evolve with your life.
Prioritize savings, tax efficiency, risk management, and estate planning as key pillars of long-term success.
We focus on helping young and middle-aged professionals, families, and pre-retirees build a strong foundation for the future—whether that means buying a first home, optimizing cash flow, planning for college, or preparing for retirement.
We’re not here to impress you with complexity. We’re here to help you feel clear, confident, and supported. ALWAYS.
