Planning Alternatives Ltd

Planning Alternatives, Ltd. is a registered investment adviser established in 1983, offering wealth management services including financial planning, investment management, and advisory services. The firm's owner, Nathan Mersereau, owns more than 25% of the firm's stock. They provide financial planning services covering various areas such as retirement income, investment planning, tax position, and estate planning. Investment management services are offered on a discretionary basis, with a focus on globally diversified portfolios using various asset classes. The firm follows the Modern Portfolio Theory and aims to implement low-cost investment solutions. They may recommend periodic purchases, sales, and exchanges based on changing needs and market conditions. Planning Alternatives acts as a 3(38) Fiduciary Manager for qualified retirement plans under ERISA, providing discretionary authority to manage plan assets. The firm charges an all-inclusive annual management fee based on a tiered fee schedule. They do not charge performance-based fees and do not have any disciplinary events to disclose. The firm does not maintain custody of client assets and clients appoint a qualified custodian. Clients receive quarterly statements from the custodian for review. Planning Alternatives has not been involved in any bankruptcy proceedings and has no financial commitments that would impair their ability to meet obligations.