Panoramic Financial Planning
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$23,035,746
Clients
12
75% 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
$1,919,646
About
Panoramic Financial Planning provides fee‑only, fiduciary financial planning and portfolio management to a small number of individual clients, high‑net‑worth individuals, and businesses. Its service offerings include initial and ongoing comprehensive financial planning, project‑based planning, investment management (including referrals to outside managers), and income tax preparation.
The firm typically implements passive, low‑cost, asset‑allocation-driven portfolios using index mutual funds and ETFs, tailoring allocations to each client’s risk profile and goals and conducting regular reviews. Financial planning is integrated into investment oversight, with attention to cash flow, Social Security optimization, insurance, estate planning, and tax considerations as part of the ongoing adviser–client collaboration.
Distinctive features include a very small client roster relative to assets under management, which the brochure frames as allowing more individualized, one‑on‑one engagement and scheduled follow‑up. The firm also offers publicly announced, no‑fee educational seminars on personal finance and provides in‑house tax preparation services (generally for clients and their dependents), both of which are less common among independent advisory firms.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Expertise
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Social Security optimization
Fee options
Project-Based Financial Planning fees from $1,500 to $5,000
$0 - $1,000,000: 0.75% $1,000,001 - $2,000,000: 0.65% $2,000,001 - $3,000,000: 0.55% $3,000,001 - $5,000,000: 0.45% $5,000,001 - over: 0.35%
Minimum fee: Minimum ongoing financial planning fee: $200 per month or $600 per quarter Fee-only: Comprehensive Financial Planning fees: Initial plan $4,000-$10,000; Ongoing $200/month to $1,000/month (negotiable); Project-Based $1,500-$5,000 (fixed fee)
Main office location
Panoramic Financial Planning
Carmel IN, United States
Number of offices
1
Most active in
Panoramic Financial Planning has reported serving >5 clients in these states in the last 12 months.
Indiana
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
Quick links
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