Financial Planning HQ, LLC

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Client assets under management

Clients

0% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

About

Financial Planning HQ provides comprehensive financial planning and related consultative services to individual clients, offering broad-based and single-subject plans and ongoing plan maintenance. The firm typically works with clients who have multi-million dollar investable assets for planning-only engagements and also offers combined planning and wealth-management relationships for smaller account sizes, with legacy clients able to access third-party portfolio management.

The firm does not manage client portfolios or trade securities on clients’ behalf; instead it advises on asset allocation and selects unaffiliated third‑party money managers (notably using the Orion Portfolio Solutions platform) for implementation and ongoing management. Financial Planning HQ emphasizes an ongoing planning process with an initial review and multiple scheduled meetings in the first year and annual plan updates, safety reviews, and annual insurance checks.

What is uncommon for a firm of this size is that it does not take custody or discretionary trading authority, does not directly offer percentage‑of‑AUM billing for planning engagements, and reports no assets under management because portfolio management is provided by external managers. The adviser team is insurance‑licensed but the firm generally does not collect insurance commissions itself, instead referring clients to independent insurance subject‑matter experts and receiving adviser fees through the third‑party platform when clients engage managed accounts.

Client services

Financial planning Selection of other advisers

Expertise

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting

Occupation focus

Founder/Business Owner

Fee options

Other

Account minimum: $1,000,000 Fee-only: Financial Planning Only Services: Fixed fee ranging from $12,000 to $36,000 per year, negotiable based on complexity and scope; typically paid monthly (1/12 of annual fee) or semi-annually (1/2 of annual fee). Financial Planning and Wealth Management Services: Financial planning fee of $6,500 plus an Adviser Fee of 1% of assets under management.

Main office location

Financial Planning HQ, LLC

13526 George Rd., Suite 208

San Antonio TX 78230, United States

Number of offices

Most active in

Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Website 210-617-7058

Advisors at this firm

Steve W

ChFC®, Series 63

San Antonio, TX

Financial Planning HQ, LLC

Steve Warren is a ChFC® with 37 years of experience in the financial services industry. He is currently with Financial Planning HQ, LLC, where he has worked since 2022. Prior to this, he held positions at Lincoln Financial Securities, MML Investors Services, MassMutual Life Insurance Company, and MetLife Securities. Warren also owns a business offering disability, traditional, and long-term care insurance, fixed annuities, and premium financing. Financial Planning HQ provides comprehensive financial planning and ongoing plan maintenance for individual clients through a three-advisor team. The firm focuses on tailored financial plans, insurance reviews, and broad asset allocation guidance, referring clients to third-party money managers for active portfolio management.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Founder/Business Owner

Jacob W

Series 66

San Antonio, TX

Financial Planning HQ, LLC

Jacob Warren is a financial advisor at Financial Planning HQ, LLC in San Antonio, TX, with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Lincoln Financial Securities Corporation, MML Investors Services, LLC, MassMutual Life Insurance Company, and MetLife Securities Inc. Warren is also licensed to offer traditional life insurance and fixed annuities. Financial Planning HQ provides comprehensive financial planning and ongoing plan maintenance to individual clients through a three-advisor team. The firm focuses on tailored financial plans, safety and insurance reviews, and broad asset allocation guidance, referring clients to third-party money managers for discretionary portfolio management.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Founder/Business Owner

Joseph W

Series 66

San Antonio, TX

Financial Planning HQ, LLC

Joseph Warren is a financial advisor at Financial Planning HQ, LLC in San Antonio, TX, holding a Series 66 designation with 11 years of industry experience. His prior roles include positions at Lincoln Financial Securities, Mass Mutual Investors Services, MassMutual Life Insurance Company, and MetLife Securities. Outside of advising, he is involved in retail reselling and owns a vending machine service business. Financial Planning HQ provides comprehensive financial planning and ongoing plan maintenance for individual clients, focusing on tailored plans, insurance reviews, and broad asset allocation guidance without discretionary trading authority. The firm serves a small client base through a three-advisor team and refers clients seeking active portfolio management to an unaffiliated third-party money manager.

General retirement planning College savings (529s, UTMA, etc.) Cash flow / budgeting Founder/Business Owner

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