Plan & Act
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$64,000,000
Total clients
82
17% high-net worth
Total advisors
3
of 4 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
27
Average account size
$780,488
About
Plan & Act serves primarily individual clients and living trusts, including high‑net‑worth households, and also licenses its financial‑wellness technology to other advisors and institutions. The firm provides economics‑based financial planning, portfolio management on a nondiscretionary basis, results coaching, and pension consulting services through an affiliated pension consulting entity.
The firm’s investment and planning approach is grounded in continuous‑time, economics‑based financial life planning derived from the ICAPM and implemented with broadly diversified, low‑cost multifactor funds and targeted hedging strategies. Clients may engage at multiple service levels—from do‑it‑yourself financial plans through advisor‑assisted implementation to advisor‑delegated separately managed accounts—and the firm uses a 10‑factor Endogenous Risk Analysis to tailor risk and allocation recommendations.
Plan & Act is notable among peers for maintaining primarily nondiscretionary AUM (approximately $64 million) and for an explicit affiliation that provides retirement plan consulting and employee‑wellness services. The firm also emphasizes client education—running quarterly review webinars and coaching—and discloses adherence to third‑party fiduciary practice standards (CEFEX), as well as offering specialized tax‑sensitive and risk‑parity options for high‑net‑worth clients.
Client services
Expertise
Fee options
Initial financial plan fee $9,995 - $30,000; Economics-based financial plan without wealth management $15,000
$100,001 - $500,000: 0.75% $500,001 - $1,000,000: 0.50% $1,000,001 - $5,000,000: 0.40% $5,000,001 - $50,000,000: 0.35% $50,000,001+: 0.25%
$3,750/quarter ($15,000 annually) minimum for Wealth Management Service Agreement; $1,500/quarter ongoing flat financial planning fee under Portfolio Management Service Agreement
Account minimum: $100,000 Minimum fee: $15,000 annually (Wealth Management Service Agreement minimum) Fee-only: Flat Financial Planning fee of $1,500/quarter plus graduated Investment Advisory fees as per tiers; initial flat plan fee $9,995 - $30,000
Main office location
Plan & Act
Buena Vista CO, United States
Number of offices
1
Most active in
Colorado · Florida · Michigan · Ohio · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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.
Forms ADV
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