Pearl Planning

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Client assets under management

$320,519,889

Clients

305

34% high-net worth

Advisors

of 7 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

High

Average account size

$1,050,885

About

Pearl Planning is a SEC-registered investment adviser that serves individuals (including high‑net‑worth clients), retirement plans, trusts, estates and business entities. The four‑advisor team manages roughly $329 million for about 305 client relationships and provides discretionary and non‑discretionary portfolio management together with financial planning and retirement‑plan consulting.

The firm allocates client assets across individual equities, fixed income, mutual funds, ETFs and private or alternative strategies and may recommend sub‑advisors or private investment funds where appropriate. Financial planning is included with investment management (stand‑alone planning is also offered), and the firm uses third‑party services for implementation — including an outsourced trader for trade execution and the Pontera platform to manage and rebalance “held‑away” accounts.

Several operational and marketing practices distinguish Pearl Planning from many peers: its brochure discloses the use of endorsements and the advertising of third‑party ratings, and it recently added outsourced trading and the Pontera workflow to its service set. The firm also notes partnerships and optional programs—an online estate‑documentation service, participation in a Federally Insured Cash Account program, and occasional travel or marketing reimbursements from product distributors—that may be relevant to prospective clients assessing services or potential conflicts of interest.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

Fee options

Fixed

Stand-alone financial planning fixed fees range from $500 to $15,000.

Percentage

$0 - $500,000: 1.30% $500,001 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.85% $5,000,001 - $10,000,000: 0.70% $10,000,001 - $20,000,000: 0.50% $20,000,001+: 0.40%

Project-based

Hourly fees for stand-alone financial planning are $350 per hour.

Other

Fee-only: Investment advisory fees generally range between 0.40% and 1.30% on a negotiable fee only basis; financial planning included at no additional fee for advisory clients; stand-alone financial planning fees range from $500 to $15,000 fixed or $350/hour.

Main office location

Pearl Planning

8031 Main Street, Suite 201

Dexter MI 48130, United States

Number of offices

Most active in

California · Florida · Michigan · New York · Oregon · Texas · Virginia

Disclosures

Business activities & affiliations

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

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook X Instagram Website 734.274.6744

Advisors at this firm

Melissa J

CFP®, Series 63, Series 66

Dexter, MI

Pearl Planning

Melissa Joy is a CFP® professional with 22 years of industry experience, currently serving at Pearl Planning since 2025. Her prior roles include positions at Stephens Consulting, Raymond James Financial Services, and the Center for Financial Planning. Outside of advisory work, she is an Investment Committee Member at the First Congregational Church in Ann Arbor. Pearl Planning provides discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting to individuals, qualified plans, trusts, and estates. The firm employs fundamental and qualitative analysis across various asset types and utilizes third-party services for trade execution and tax-aware asset management.

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

Toni W

CFP®

Dexter, MI

Pearl Planning

Toni Wander is a CFP® professional with seven years of industry experience. She is currently with Pearl Planning and has held prior roles at Stephens Consulting, Legacy Wealth Planning, and Old National Bank. Pearl Planning offers discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting to individuals, qualified plans, trusts, and estates. The firm employs fundamental and qualitative analysis in portfolio construction and utilizes various strategies, including tax-aware asset location and outsourced trade execution, managing over $300 million in assets with a small advisor team.

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

Genevieve G

Series 65

Dexter, MI

Pearl Planning

Genevieve Guys is a financial advisor at Pearl Planning with a Series 65 credential and one year of industry experience. Her prior roles include positions at Northern Trust and Standish Management. She is also involved in life insurance and fixed/index annuity sales as a conservation specialist with GLP & Associates. Pearl Planning offers discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting to individuals, qualified plans, trusts, and estates, employing fundamental and qualitative analysis with a variety of investment strategies.

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

Alexa K

CFP®, Series 66

Dexter, MI

Pearl Planning

Alexa Kane is a CFP® with 12 years of experience in the financial services industry. She currently works at Pearl Planning and has previously held roles at Stephens Consulting, Raymond James Financial Services Advisors, Mercer Global Advisors, and M.J. Smith & Associates. Pearl Planning provides discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting to individuals, qualified plans, trusts, and estates. The firm manages portfolios using fundamental and qualitative analysis, employing both long- and short-term strategies, and incorporates third-party services for trade execution and held-away account management.

Private / alternative investments Retirement plans for business owners (SEP, solo 401k) Tax-loss harvesting

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