Opulence Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$12,919,251
Total clients
76
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
76
Average account size
$169,990
About
Opulence Planning provides portfolio management, financial planning (both project‑based and ongoing), retirement plan consulting, and educational seminars to individuals, high‑net‑worth clients, charitable organizations, and businesses. The firm also offers speaking engagements and operates a wrap‑fee program (described in Appendix 1 of its brochure).
The firm develops client investment policies through personal discussions and emphasizes strategic asset allocation and Modern Portfolio Theory, often implementing passively managed portfolios using index mutual funds and ETFs with occasional tactical adjustments. It may recommend or use third‑party managers and TAMPs — including Betterment for Advisors and XYPN Invest model portfolios — and generally manages accounts on a discretionary basis with periodic reviews.
Distinctive for a single‑advisor independent firm, Opulence Planning sponsors a wrap fee program, provides consulting to employer plan sponsors, and conducts workplace benefits management and client education such as quarterly “lunch‑and‑learns” and public seminars. Its ongoing financial planning engagements follow a defined 12/4/1 communication cadence (monthly emails, four quarterly calls, and one in‑person meeting), and the firm coordinates with outside attorneys and tax professionals when appropriate.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Fee options
Ongoing Financial Planning: upfront $750 plus $75 - $500 per month; Project-Based Financial Planning: $300 - $7,500; Retirement Plan Consulting: $3,000 annually ($750 quarterly); Educational Seminars: $200 - $1,200 per event
$0 - $500,000: 1.20% $500,001 - $1,000,000: 1.00% $1,000,001 - $1,500,000: 0.75% $1,500,001+: 0.60%
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")