H
Houbens Planning Associates Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
40
25% 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
40
HighAverage account size
$0
About
Houben Planning Associates serves individuals, families, retirees and small businesses, providing financial planning, retirement-plan consulting and fee-based investment advisory guidance. The firm works primarily with personal retirement accounts and also assists employers with pension and profit-sharing plan design.
Its investment work emphasizes customized, cost-conscious planning with a focus on retirement outcomes, recommending lower-cost or no-load vehicles and tailoring allocations to clients’ risk tolerance and experience. HPA provides non-discretionary advice and regular, periodic reviews (typically at least twice annually), encourages clients to choose their own brokers and does not provide continuous daily portfolio management.
Noteworthy features include an hourly billing model rather than percentage-of-assets fees and direct client billing rather than fee deduction from accounts, and the brochure reports the firm provided periodic review for roughly $30 million in client assets despite operating with a single registered adviser and part-time administrative support. The firm is also registered to act as an insurance broker/agent and lists insurance-focused professional designations, which inform its retirement and benefits-consulting services.
Client services
Financial planning
Portfolio review and strategies, retirement account comparisons and assistance with their set-up
Portfolio review and strategies, retirement account comparisons and assistance with their set-up
Expertise
General retirement planning
Retirement income strategy
Retirement plans for business owners (SEP, solo 401k)
Occupation focus
Founder/Business Owner
Fee options
Typical $150-175 per hour; Retirees $100-125 per hour; initial hour of consultation is free; fees pro-rated by half hour
Fee-only: Typical $150-175 per hour; Retirees $100-125 per hour; fees negotiable based on financial status
Main office location
Houbens Planning Associates Inc.
Brighton MA, United States
Number of offices
1
Most active in
Houbens Planning Associates Inc. has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
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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.
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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
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