Advanced Planning, Inc.

Advanced Planning, Inc. provides investment advisory and financial consulting to individuals, trusts, estates, charitable organizations, and businesses, managing about $48.8 million for roughly 164 clients through a two-advisor team. Services include discretionary and non‑discretionary portfolio management, modular and comprehensive financial planning, and a 401(k) advising program in which the firm recommends model allocations.

The firm builds portfolios mainly from mutual funds, ETFs, equities and individual fixed‑income securities and uses fundamental, technical and charting analyses along with both long‑ and short‑term strategies to tailor allocations to each client’s objectives and risk tolerance. For retirement plan participants the firm typically recommends and monitors asset allocations but asks clients to execute trades on their plan websites, and it conducts periodic account reviews and ongoing monitoring.

A notable difference from many peers is that the firm’s advisors are also registered representatives of Cetera Wealth Services and licensed insurance agents, and the brochure discloses commission‑based compensation and insurance sales constitute a meaningful portion of revenue (approximately 25%). The firm states it may require use of Cetera for brokerage services, may receive 12b‑1 fees and annuity commissions, and will offset advisory fees to the extent associated persons earn commissions, reflecting how it combines fee‑based advice with commissionable brokerage and insurance activities.