Financial Planning Services

Financial Planning Services is a SEC Registered Investment Adviser that has been in operation since 1983. The firm manages assets both on a non-discretionary basis, totaling $3,010,304.00, and on a discretionary basis, totaling $176,171,851.00 as of December 2024. The firm offers financial planning and investment advisory services through its Investment Adviser Representatives, who are also Registered Representatives of Osaic Wealth, Inc. The investment strategy primarily focuses on a long-term buy and hold approach, with portfolios consisting of various securities such as individual stocks, bonds, and mutual funds. Clients receive personalized financial planning services, including recommendations for retirement accounts, investments, insurance, and estate planning. The firm emphasizes continuous account supervision and periodic client reviews to ensure alignment with investment goals and risk tolerance. Fees for ongoing services are individually negotiated based on the complexity of the consultation, with a minimum initial fee of $750 and renewal fees based on a percentage of the client's Adjusted Gross Income or Net Worth. The firm also offers the Vision2020 Wealth Management Program, providing comprehensive investment management through asset allocation planning software. Clients pay a quarterly account fee based on the market value of assets held, with additional transaction charges applicable. The Adviser Representatives may also recommend insurance products, earning commissions that could create a conflict of interest. The firm's Code of Ethics prioritizes client interests and transparency in personal securities transactions.