Financial Planning Concepts, Inc.

Financial Planning Concepts, Inc. provides personalized financial planning and investment management to individuals, pension and profit‑sharing plans, trusts, estates, charitable organizations and corporations; its brochure reports it managed approximately $22 million for 11 clients as of January 17, 2025. The firm operates on a fee‑only basis and offers standalone financial plans (hourly planning at $275) as well as ongoing discretionary investment management billed as a percentage of assets.

FPC documents client objectives and constraints in a written Investment Policy Statement, aggregates and manages accounts across taxable and retirement account types, and implements asset allocation targets across major and sub‑asset classes using fundamental and technical analysis. The firm accepts limited power of attorney for trading, performs quarterly account reviews and reporting, and generally executes transactions through custodians such as Schwab while urging clients to compare custodian statements to the firm’s reports.

Compared with many peers, FPC has a very small client roster relative to assets under management, indicating a focus on higher‑net‑worth and institutional accounts rather than a broad non‑HNW retail base, and its public materials reference third‑party ratings — a practice that is uncommon among independent advisors. The firm is a sole proprietor practice led by Jeff J. Muhle (CFP®, CFA) and discloses the advisor’s outside role at The Aerospace Corporation overseeing compliance matters, which is an atypical additional business activity for a one‑advisor firm.