From Planning to Living LLC

From Planning to Living LLC provides investment advisory and financial planning services to individuals, families, high‑net‑worth clients, and employer plan sponsors. Offerings include investment management via third‑party managers and the AssetMark platform, ongoing and project‑based financial planning, employee benefit plan consulting, and educational seminars and speaking engagements.

The firm typically operates on a client‑directed, non‑discretionary basis and assists clients with selecting outside managers, implementing model allocations, and completing manager paperwork. Investment analysis combines fundamental and cyclical methods and uses both passive vehicles (index mutual funds and ETFs) and outside active managers, with periodic reviews and client authorization required before trades.

Noteworthy distinctions include that the firm reports essentially all assets as non‑discretionary rather than discretionary management, and it provides pension/employee benefit plan advisory services and participant education—offerings that are less common among similarly sized independent advisers. The firm also conducts fee‑based and occasionally pro‑bono seminars and speaking engagements, and its principal holds CFP certification with an academic background in statistics focused on actuarial science, which informs its planning and business‑planning work.