Asset Planning Services Inc

Asset Planning Services, Inc. serves individuals, retirement plans, trusts, estates, and business entities, offering financial and estate planning, investment management, business consulting, accounting, and tax return preparation. The firm is fee-only and manages client assets on both a discretionary and non-discretionary basis (approximately $300.0 million discretionary and $45.6 million non-discretionary as of December 31, 2024) for roughly 151 clients through a two-advisor team.

The firm’s client engagement typically begins with a comprehensive review of assets, liabilities, tax and estate documents, and personal objectives followed by written and oral recommendations and implementation; account reviews are performed at least quarterly and clients receive quarterly reports. Investment management combines fundamental and technical analysis to construct balanced portfolios across equities, fixed income and money market instruments with an emphasis on capital preservation and periodic reallocation as market conditions or client cash flows warrant, and trades are executed through institutional custodians via the Schwab Institutional platform.

Distinctive features include a long operating history (founded in 1979) and a relatively small advisory staff managing a sizable asset base, yielding a high assets-per-advisor ratio compared with peers. The firm also integrates tax preparation and accounting into its advisory services, accepts trustee custody for a small number of client accounts (subject to annual surprise audits), and does not maintain account minimums.