Plan to Invest Capital Management, Inc.

The firm provides discretionary portfolio management, written financial planning, and pension consulting to individuals, retirement plans, trusts, estates, charitable organizations and business entities, serving 77 clients with about $16.7 million in discretionary assets under management. It delivers tailored financial plans after interviews and questionnaires and supports plan sponsor work such as service‑provider selection and ongoing oversight.

Investment implementation is based on a strategic asset allocation with a tactical overlay and typically emphasizes mutual funds and exchange‑traded funds (tactical portfolios may consist largely of these funds and, in stressed markets, may hold cash). The firm generally operates under a limited power of attorney to trade on clients’ behalf and documents recommendations in a written plan for clients who engage its planning services.

Notable distinctions include an explicit absence of high‑net‑worth clients in its stated clientele and a modest asset base, implying smaller average account sizes than many peers. The principal also maintains a licensed insurance practice and the firm discloses that it may receive compensation when recommending retirement plan service providers and receives certain business services through a custodian relationship, conflicts the brochure describes and says are managed through disclosure and fiduciary duties.