Capital Planning Associates, Incorporated

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Client assets under management

$3,000,000

Clients

0% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$300,000

About

Capital Planning Associates serves business owners, high‑net‑worth individuals, and employer retirement plans with personalized investment counseling, portfolio monitoring, and comprehensive financial planning, and it also provides pension/retirement‑plan consulting, estate analysis, and select management consulting. The firm routinely advises on implementation options that can include insurance products and tax/accounting work through its affiliated accounting and insurance activities.

The firm primarily operates on a non‑discretionary basis: advisers develop written investment policy statements and recommendations while clients retain final trading authority and custody stays with independent custodians; third‑party asset managers are used when discretionary management is appropriate. Engagements are offered under a range of compensation arrangements—hourly, fixed‑fee, or asset‑based—and the firm delivers periodic portfolio reviews and client reporting rather than unilateral trading authority.

Noteworthy for a firm of this size, Capital Planning emphasizes pension consulting and ERISA‑related plan services, providing formal plan reviews, participant education, and implementation support under fee arrangements other than solely percentage‑of‑AUM billing. The firm’s combination of licensed insurance brokerage activity, affiliated accounting credentials (including CPA/PFS expertise), and involvement in captive‑insurance ventures creates an atypical service mix that may affect how recommendations are implemented and how potential conflicts are disclosed.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) Business ownership considerations General estate planning guidance

Occupation focus

Founder/Business Owner Self-Employed

Fee options

Fixed

Financial planning fees may be fixed; Pension consulting fixed fees range from $5,000 to $100,000

Percentage

$0 - $100,000: 3.00% (Equity and Balanced Accounts) $100,001 - $250,000: 2.50% (Equity and Balanced Accounts) $250,001 - $750,000: 2.25% (Equity and Balanced Accounts) $750,001 - $1,250,000: 1.75% (Equity and Balanced Accounts) $1,250,001 - $2,500,000: 1.25% (Equity and Balanced Accounts) $2,500,001+: 1.10% (Equity and Balanced Accounts) $0 - $100,000: 1.50% (Fixed Income Accounts) $100,001 - $250,000: 1.35% (Fixed Income Accounts) $250,001 - $750,000: 1.20% (Fixed Income Accounts) $750,001 - $1,500,000: 1.00% (Fixed Income Accounts) $1,500,001 - $3,000,000: 0.85% (Fixed Income Accounts) $3,000,001+: 0.65% (Fixed Income Accounts)

Project-based

Consulting services fees: $175 to $400 per hour; Financial planning hourly fees: $150 to $375 per hour; Pension consulting hourly fees: $50 to $300 per hour

Other

Account minimum: $50,000 (may be waived at discretion) Fee-only: Financial planning fees may be hourly ($150 to $375/hour), fixed, or percentage of assets; pension consulting fees may be hourly ($50-$300/hour), fixed ($5,000-$100,000), or percentage of plan assets (0.10% to 1.00%)

Main office location

Capital Planning Associates, Incorporated

750 Route 73 South, Suite 105 B

Marlton NJ 08053, United States

Number of offices

Most active in

New Jersey

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Is not active or affiliated with:

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.

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

Form ADV Part 2: Client Brochure

Quick links

609-714-8889

Advisors at this firm

Debra G

Series 66

Marlton, NJ

Capital Planning Associates, Incorporated

Debra Gaglioti is a financial advisor at Capital Planning Associates, Incorporated with 24 years of industry experience. She holds a Series 66 designation and has worked at Capital Planning Associates since 2011, following eight years at FSC Securities Corporation. Outside of her advisory role, she is involved in managing captive insurance companies through related business entities. Capital Planning Associates serves business owners, high-net-worth individuals, and employer retirement plans by providing personalized investment counseling, portfolio monitoring, and comprehensive financial planning. The firm emphasizes pension consulting and ERISA-related services, operating primarily on a non-discretionary basis while integrating insurance and accounting expertise through affiliated activities.

Wealth management Retirement plans for business owners (SEP, solo 401k) Business ownership considerations General estate planning guidance Founder/Business Owner Self-Employed

John C

Series 63

Marlton, NJ

Capital Planning Associates, Incorporated

John Capasso is a financial advisor with Capital Planning Associates, Incorporated, holding a Series 63 designation and 38 years of industry experience. He has worked with FSC Securities Corp and has been associated with Capital Planning Associates since 1991, also serving as president and CEO of Captive Planning Associates LLC since 2007. Capital Planning Associates serves business owners, high-net-worth individuals, and employer retirement plans with personalized investment counseling, portfolio monitoring, comprehensive financial planning, and pension consulting. The firm operates primarily on a non-discretionary basis and incorporates insurance and accounting services alongside its investment advisory offerings.

Wealth management Retirement plans for business owners (SEP, solo 401k) Business ownership considerations General estate planning guidance Founder/Business Owner Self-Employed

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