Compass Planning, LLC

Compass Planning provides comprehensive financial planning services—with an emphasis on life planning, retirement planning, and business exit planning—to business owners and affluent individual clients. The firm positions its work around creating integrated plans that address cash flow, tax, estate, and insurance considerations rather than serving as a discretionary asset manager.

The firm describes a collaborative, goals‑based process that aligns financial recommendations with clients’ personal objectives and uses an online planning tool and AI‑assisted note‑taking to support meetings and ongoing monitoring; client engagements are subject to written agreements and periodic reviews. Implementation options described in the brochure commonly include insurance and annuity solutions handled by licensed representatives, and clients may elect separate asset‑management services through a broker‑dealer relationship or other firms under separate agreements.

Notably, unlike most investment‑manager peers, Compass Planning does not rely on percentage‑of‑assets‑under‑management fees, does not take custody of client assets, and does not charge performance‑based fees—features that are statistically uncommon for firms in this category. The firm also discloses a combination of commission‑based insurance activities, 1035 exchange and replacement work, and multiple advanced professional credentials among its advisors, along with explicit disclosure of AI use, which together distinguish its service mix and conflict disclosures from many peers.