AIS Planning

AIS Planning provides financial planning, discretionary investment management, and qualified retirement plan consulting and fiduciary services to individuals (including high‑net‑worth clients), as well as to trusts, estates, charitable organizations, and corporate retirement plans. The firm also offers project‑specific advice and operates as a licensed insurance agency that can arrange fixed insurance products and annuities through dually licensed associated persons.

The firm’s investment work is grounded in individualized financial planning and academic‑based disciplines for asset allocation, diversification, and tax awareness, and it typically implements portfolios through model strategies and sub‑advisers. AIS Planning uses third‑party programs — including SEI Investments Management Corporation (SIMC) and the American Funds Model Portfolios — provides discretionary portfolio rebalancing, and monitors outside managers while offering ERISA roles such as Section 3(21) advisory or Section 3(38) investment management for retirement plans.

Distinctive elements in the brochure include the firm’s dual role as an insurance broker/agent and its explicit policies for addressing that conflict of interest, as well as detailed disclosures about making or supervising more specialized strategies and tools (for example, direct indexing, securities‑backed lines of credit, and the use of AI tools). The firm also identifies and discusses a range of complex instrument and market risks — such as leveraged/inverse and buffer ETFs and cryptocurrencies — which signals a broader set of investment capabilities and supervisory considerations than is typical for some peers.