Planners Financial Services, Inc.

Planners Financial Services, Inc. is a registered investment adviser founded in 1972, offering services through its Investment Adviser Representatives (IARs). The firm provides research, education, and support to improve clients' investment results while managing costs. PFS monitors and reports on various securities weekly and offers services such as financial planning, investment portfolio management, and investment portfolio design. Clients undergo an analysis of their investment objectives, risk tolerance, and investment experience. PFS operates under a written agreement detailing objectives, obligations, and fees, with compensation solely from fees paid by clients, which are negotiable. The firm does not receive benefits from custodians or broker/dealers based on client security transactions. PFS primarily uses no-load or load-waived mutual funds and ETFs, with fees ranging from 40 to 30 basis points for Investment Portfolio Management. The firm does not engage in performance-based fees and does not vote proxies on behalf of clients. PFS emphasizes cybersecurity to protect client and firm information, conducting regular assessments and updates to mitigate risks. As of December 31, 2022, PFS managed approximately $96,370,898 in assets for about 501 accounts on a discretionary basis.