FWJ Planning LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
12
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
12
LowAverage account size
$0
About
FWJ Planning LLC provides fee-only financial planning services to U.S. persons, households, and small businesses, delivering project-based and comprehensive plans as well as ongoing check‑in and digital‑access options. The firm explicitly does not provide investment management, does not accept custody of client funds, and does not participate in wrap fee programs.
When performing investment analysis as part of a financial plan, the firm uses a mix of fundamental, technical, cyclical, and charting methods alongside modern portfolio theory and typically recommends passive, low‑cost funds for client-implemented portfolios. Clients implement any investment recommendations through broker‑dealers or custodians of their choice, and engagements are structured as one‑time projects, periodic subscriptions, hourly work, or digital access rather than as percentage‑of‑assets fees.
The firm’s operating model is modest in scale and unusually planning‑focused for an independent adviser, foregoing portfolio management and AUM billing that most peers offer, and its principal concurrently operates a separate tax services business and allocates a portion of time to tax planning and preparation. The principal also holds professional credentials relevant to planning and tax work (CFP®, Enrolled Agent, and Certified Student Loan Planner), which informs the firm’s integrated planning and tax coordination services.
Client services
Financial planning
Tax planning and preparation
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
General estate planning guidance
Fee options
One-time comprehensive financial plan fee ranging from $3,000 to $5,000, negotiable; ongoing financial planning check-in fees billed monthly ($125-$175), quarterly ($100), semi-annually ($90), or annually ($80)
Hourly financial planning engagements at $200 to $400 per hour with a 3-hour minimum
Fee-only: One-time comprehensive financial plan fee ranging from $3,000 to $5,000, negotiable; ongoing financial planning check-in fees ranging from $80 to $175 per period depending on frequency; hourly financial planning fees from $200 to $400 per hour with a 3-hour minimum
Main office location
FWJ Planning LLC
Apex NC, United States
Number of offices
1
Most active in
FWJ Planning LLC has reported serving >5 clients in these states in the last 12 months.
North Carolina · 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 active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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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.
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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.
Forms ADV
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