D
Diversified Consumer Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$7,532,913
Total clients
52
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
52
Average account size
$144,864
About
Diversified Consumer Planning provides ongoing investment supervisory and portfolio management services to individual clients on a fee-only, percentage-of-AUM basis and accepts client-imposed restrictions on investments. The firm limits its investment universe to publicly listed open-end no-load or load‑waived mutual funds (including no-load ETF mutual funds) and maintains a nominal minimum investment requirement of $1.
The firm follows an active, rules-driven investment process that combines Modern Portfolio Theory metrics (Sharpe ratio, Treynor, beta, standard deviation) with third‑party performance rankings (e.g., Morningstar top 10%, Investors Business Daily top 5%) and strategies such as trend-following, diversification, time diversification, and preservation of capital. Account handling includes daily monitoring, monthly detailed reviews, minimum holding periods (typically 90 days, and 365 days in taxable accounts when feasible) and specific loss-management triggers (a 20% stop‑loss guideline).
Founded in 1988 and owner-operated with contracted operations support, the firm operates at a small scale and typically grows through referrals from current clients rather than paid solicitors. It recommends discount broker custodians, receives non‑transactional services (charting, performance monitoring and other practice tools) from its custodian under a soft‑dollar arrangement, and discloses that those benefits are not intended to influence its mutual-fund selections.
Client services
Portfolio management
Expertise
Active portfolio management
Passive / index investing
Fee options
$1 - $50,000: 1.50% $50,001 - $150,000: 1.25% $150,001 - $450,000: 1.00% $450,001 - $950,000: 0.75% $950,001 - $1,950,000: 0.50% $1,950,001 - $6,950,000: 0.35% $6,950,001+: 0.25%
Account minimum: $1 Fee-only: Fee-only investment advisory services, no commissions or other compensation
Main office location
Diversified Consumer Planning
Manchester MI, United States
Number of offices
1
Most active in
Diversified Consumer Planning has reported serving >5 clients in these states in the last 12 months.
Michigan
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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