The Sum

The Planning Project, LLC, operating as The Sum, is a registered Investment Adviser with the SEC, established in March 2018. The firm specializes in providing discretionary portfolio management services tailored to clients' goals and objectives. They offer investment management services where clients grant discretionary authority for portfolio management. Additionally, they provide comprehensive financial planning services involving a two-phase process: Onboarding and Ongoing reviews. The firm also offers project-based or hourly financial planning services. The Sum charges an annual flat fee of $2,000 for investment management services, with fees based on net worth for financial planning services. The firm practices passive investment management primarily, focusing on asset allocation and diversification. They do not engage in performance-based fees or side-by-side management. Clients have the option to choose their custodian and broker-dealer. The Sum does not receive compensation from third parties and maintains a Code of Ethics emphasizing integrity, objectivity, and professionalism. The firm does not vote client proxies and does not have custody of client funds. Financially, the firm has no impairments affecting its ability to meet client commitments and has not been involved in bankruptcy proceedings.