Financial Planning Analysts, LLC

Financial Planning Analysts, LLC provides investment supervisory services, discretionary portfolio management and personal financial planning for individuals as well as pension and profit‑sharing plans, trusts, estates and charitable organizations, and it also accepts corporate or business clients. Services include ongoing wealth management, one‑off financial planning engagements and implementation of investment recommendations for client accounts.

The firm’s investment process is primarily fundamental‑analysis driven with an emphasis on large‑capitalization equities implemented through individual securities and investment company products; strategies can include long and short‑term purchases, margin and limited option writing (covered calls and cash‑secured puts). Portfolio decisions are made on a discretionary basis, with accounts monitored and adjusted for client risk profiles, time horizons and changing market conditions, while advisory compensation is charged on a percentage‑of‑assets basis and planning work may be billed separately.

A distinctive aspect of the firm is its affiliation with a broker‑dealer and that its principal is a registered representative and licensed insurance agent, which means representatives can sell brokerage and insurance products and may receive commissions—conflicts that the firm discloses and seeks to manage. The brochure also notes that a meaningful portion of time is spent on broker‑dealer and insurance activities, the principal holds a bank board directorship, and the firm and its principal have been named in customer arbitration matters connected to the affiliated broker‑dealer.