LOTV Planning & Consulting
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
LOTV Planning & Consulting provides individual financial planning and investment consultation to individuals and high‑net‑worth clients, and offers engagement‑based consulting to financial firms and registered investment advisers. Services include comprehensive financial plans, investment consultations and portfolio monitoring for individuals, and practice technology assessments, operational efficiency reviews, and practice‑management consulting for other advisory firms.
The firm employs an individualized asset‑allocation approach and typically uses exchange‑traded funds in its investment guidance; planning engagements are governed by written agreements and include periodic reviews and proactive monitoring. Consulting engagements are scoped in writing and may include group training, workshops, and implementation support, with recommendations presented alongside alternative technology and process options.
LOTV’s fee model is notable relative to peers: it relies on subscription‑style retainers and monthly ongoing planning fees, as well as hourly, phase‑based, and project fees, and does not charge percentage‑of‑assets‑under‑management or performance‑based fees because it does not manage client assets on a discretionary basis. The firm discloses a potential conflict arising from the owner’s outside employment with a tax‑planning software company (including documentation and client disclosure) and limits that conflict by offering technology alternatives and by not conditioning consulting engagements on adoption of that software.
Client services
Financial planning
Educational seminars or workshops
Expertise
Cash flow / budgeting
Occupation focus
Financial Professional
Fee options
One-time financial planning fee up to $5,000; fixed project or phase-based fees for consulting services (amounts negotiated per engagement). Monthly, quarterly, or yearly fixed fees for ongoing planning engagements ranging from $20 to $2,500 per month.
Hourly fees for financial planning up to $350/hour; hourly consulting fees for business consulting up to $250/hour.
Ongoing financial planning engagements may be paid monthly, quarterly, or yearly, with fees ranging from $20 to $2,500 per month, paid in advance. Retainer fees for consulting services may be charged monthly or quarterly as agreed.
Fee-only: Financial planning fees are negotiable and range from $20 to $2,500 per month for ongoing planning. One-time planning fees up to $5,000. Hourly fees up to $350/hour for nonrecurring planning.
Main office location
LOTV Planning & Consulting
Avoca MI, United States
Number of offices
1
Most active in
LOTV Planning & Consulting has reported serving >5 clients in these states in the last 12 months.
Michigan
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 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.
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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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