Investments & Financial Planning, LLC

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Client assets under management

$317,772,619

Clients

750

7% high-net worth

Advisors

of 6 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

375

Very High

Average account size

$423,697

About

Investments & Financial Planning, LLC provides portfolio management and financial planning services primarily to individual clients, including high-net-worth individuals, and to charitable organizations. The firm offers discretionary management using mutual funds and ETFs and also provides single-subject and ongoing financial planning and consulting services.

The firm’s investment approach centers on creating diversified portfolios largely through the American Funds family of mutual funds and ETF selections, with discretionary authority to implement model allocations on behalf of clients. It also uses third‑party technology — including Pontera for held-away and workplace retirement accounts and AdvicePay for electronic billing — to monitor and rebalance accounts and facilitate fee collection without taking custody of client assets.

Notable features that distinguish the firm from many peers include a high client-to-advisor load (two advisors serving roughly 750 clients), sponsorship of a wrap‑fee program that runs on Charles Schwab execution, and the presence of affiliated personnel who are licensed insurance agents and may earn commissions on insurance sales. The firm also accesses custodian-sponsored educational conferences and events through Schwab and maintains direct account relationships with American Funds, which shape its operational and service model.

Client services

Financial planning Portfolio management Pension consulting Educational seminars or workshops Financial consulting

Expertise

General retirement planning Wealth management

Fee options

Fixed

Fixed fees ranging from $1,000 to $5,000 for financial planning services

Percentage

Up to 1.00% annually

Commissions

Insurance commissions earned by certain persons affiliated with the firm for selling insurance products, separate and in addition to advisory fees

Project-based

$150 to $500 per hour

Subscriptions

Subscription-based financial planning and consulting services with automatic annual renewal unless cancelled

Main office location

Investments & Financial Planning, LLC

1795 Alysheba Way, Suite 7104

Lexington KY 40509, United States

Number of offices

Most active in

Kentucky · Louisiana · Tennessee · Texas

Disclosures

Business activities & affiliations

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.

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 Form ADV Part 3: Client Relationship

Quick links

Facebook Website 859-543-8188

Advisors at this firm

James M

Series 63, Series 66

Lexington, KY

Investments & Financial Planning, LLC

James Mullins is a financial advisor at Investments & Financial Planning, LLC in Lexington, KY, with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Securities America, Inc., Securities Service Network, Inc., and WFG Investments Inc. In addition to his advisory role, he owns and manages JEM Financial Planning, LLC. Investments & Financial Planning, LLC provides portfolio management and financial planning services primarily to individual and high net worth clients, as well as charitable organizations. The firm utilizes no-load mutual funds and exchange-traded funds, applying both fundamental and technical analysis with long- and short-term strategies.

General retirement planning Wealth management

David S

CFP®, ChFC®, Series 63

Lexington, KY

Investments & Financial Planning, LLC

David Short is a financial advisor with Investments & Financial Planning, LLC in Lexington, KY, holding the CFP® and ChFC® designations and possessing 26 years of industry experience. Prior to his current role, he worked at Securities America, Inc., Securities Service Network, Inc., and WFG Investments Inc. Outside of advising, he is also involved in fixed insurance sales and manages an LLC established for tax reporting purposes. Investments & Financial Planning, LLC provides portfolio management and financial planning services primarily to individual clients, including high net worth individuals, and charitable organizations. The firm employs no-load mutual funds and exchange-traded funds, using both fundamental and technical analysis, and conducts at least annual account reviews.

General retirement planning Wealth management

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