Well-Planned Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$13,490,000
This total excludes 2 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
88
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
88
Average account size
$153,295
About
The firm provides investment management and financial planning services to individual and high‑net‑worth clients, delivering continuous portfolio advice along with project‑based and comprehensive financial planning engagements. It also offers employee benefit plan services, including consulting and implementation assistance for pension and profit‑sharing arrangements, while excluding certain asset types such as employer securities and participant loans.
Investment approach emphasizes passive portfolio construction grounded in Modern Portfolio Theory, primarily using index mutual funds and ETFs, and the firm may supplement client strategies with third‑party managers and model portfolios provided by a technology‑driven sub‑advisor. Accounts are handled on both discretionary and non‑discretionary bases, and the firm conducts periodic reviews tied to client investment policy statements to monitor suitability and performance.
Compared with many peers, the firm reports a larger share of non‑discretionary assets under management and an active role with pension or profit‑sharing plan clients, which are both relatively uncommon for firms of this type and size. The firm also provides educational seminars and speaking engagements (including occasional pro‑bono events) and combines in‑house planning with outsourced model management, creating a service mix that blends client education and third‑party investment solutions.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Fee options
Project based financial planning fees range from $300 to $5,000, comprehensive financial planning has an upfront fee of $200-$1,000 and ongoing monthly fees of $120-$1,000
$0 - $100,000: Negotiable $100,001 - $500,000: 0.90% $500,001 - $1,000,000: 0.85% $1,000,001+: 0.80%
$200 per hour
Main office location
Well-Planned Financial LLC
500 Commerce Road
Staunton VA 24401, United States
Number of offices
1
Most active in
Well-Planned Financial LLC has reported serving >5 clients in these states in the last 12 months.
Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")