Financial Planning Services, Inc.

Financial Planning Services, Inc. is a registered investment adviser based in Charlotte, NC, established in 1991. The firm specializes in Portfolio Management Services and Retirement Income Planning, offering personalized services tailored to individual client needs. Portfolio Management Services include discretionary and non-discretionary options, with a focus on developing customized investment portfolios based on client risk tolerance and objectives. The firm also provides Retirement Income Planning services, involving comprehensive financial analysis to help clients manage their financial resources effectively. Additionally, web-based financial consulting and planning services are offered, providing clients with account aggregation, email access to advisors, educational webinars, and account reviews. The firm primarily advises on equity securities, corporate debt securities, variable annuities, mutual funds, and ETFs. The fee structure for Portfolio Management Services is based on a percentage of assets managed, with fees billed quarterly in advance. Financial Planning Services, Inc. does not accept performance-based fees or engage in side-by-side management. The firm acts as a fiduciary, putting clients' interests first and providing ongoing account reviews and financial planning updates. Clients have the option to grant discretionary authority for investment decisions, and the firm does not vote proxies on behalf of clients unless specifically authorized. Financial Planning Services, Inc. does not have custody of client funds and does not have financial conditions that would impair its ability to meet commitments to clients.