Financial Planning Associates, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$29,921,925
Clients
59
34% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
59
Very HighAverage account size
$507,151
About
Financial Planning Associates, Inc. provides comprehensive personal financial planning and discretionary investment management to individuals, couples, families, trusts, estates, and qualified retirement plans, and the firm notes it can manage employer-sponsored retirement accounts. The brochure reports the firm manages roughly $30 million on behalf of about 59 clients and offers ongoing, year-long planning engagements alongside portfolio management.
The firm’s stated investment approach emphasizes managing portfolio risks through broad, efficient diversification and strategic asset allocation, using Markowitz mean‑variance optimization together with practitioner judgment. Implementation typically relies on exchange‑traded funds and market data from sources such as Morningstar and Schwab, with accounts commonly custodied at Charles Schwab Institutional and the adviser operating under limited power of attorney to make policy-driven adjustments while favoring infrequent trading.
Noteworthy aspects include a long operating history (incorporated in 1998) and leadership with a history of teaching CFP coursework and an internal standard that advisers meet a college degree, CFP certification, and about ten years’ experience. The firm highlights several operational distinctions: it can manage workplace retirement accounts via third‑party platforms (e.g., Pontera), offers a concierge‑style annual planning model with monthly payment options and no stated account minimum, does not take custody of client assets, and delegates proxy voting to clients.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Wealth management
Retirement plans for business owners (SEP, solo 401k)
General retirement planning
Income planning
Fee options
$0 - $500,000: 1.00% annually $500,000 - $750,000: 0.75% annually $750,000 - $1,000,000: 0.35% annually $1,000,000 - $2,000,000: 0.25% annually $2,000,000 - $3,000,000: 0.03% annually $3,000,000+: 0.03% annually
Hourly rate of $250 per hour or portion thereof for personal financial planning services when applicable.
Minimum fee: Initial personal financial planning fees range from $1,860 to $5,000; subsequent review fees typically $780 ($65/month) Fee-only: Annual personal financial planning fees ($1,860 to $5,000 initial; $780 subsequent) and quarterly asset-based fees per tier schedule; no commissions or 12b-1 fees received.
Main office location
Financial Planning Associates, Inc.
300 Ozark Trail Drive, Ste 215
Ellisville MO 63011, United States
Number of offices
1
Most active in
Financial Planning Associates, Inc. has reported serving >5 clients in these states in the last 12 months.
Missouri · Texas
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:
-
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.
-
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
Advisors at this firm
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