Planalto Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Clients per advisor
0
Average account size
—
About
Planalto Financial serves individual and high-net-worth clients with comprehensive, ongoing financial planning, project-based planning, and discretionary investment management. The firm emphasizes a planning-led relationship that can include business planning, retirement and estate planning, tax considerations, insurance reviews, and implementation of investment strategies.
Its investment approach blends modern portfolio theory, asset allocation, and a mix of passive and active investment vehicles to construct portfolios aligned with clients’ goals and risk tolerance. Planalto conducts regular (typically quarterly) reviews and implements trades on an individual-account basis rather than aggregating block trades, and it allows clients to impose reasonable investment restrictions.
Noteworthy distinctions include the availability of project-based planning that can be billed on an hourly basis — a pricing option that is relatively uncommon among peers in the investment-manager category — alongside fixed and flat-fee planning arrangements. The firm is newly registered and operated by a sole principal who holds CFP® and CLU® credentials, operates on a fee-only basis, and does not participate in wrap fee programs.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
Social Security optimization
Medicare planning
Business ownership considerations
Tax strategies for small businesses
Occupation focus
Founder/Business Owner
Retired
Demographic focus
Approaching retirement
Retired
Fee options
Fixed fees for project-based financial plans range from $2,400 to $5,000; ongoing financial planning fees include $2,400 annually for Advanced Plan, $5,000 annually for Simple Retirement Plan.
$0 - $5,000,000: Flat annual fee of $10,000 $5,000,000 - $10,000,000: Flat annual fee of $20,000 $10,000,000+: Negotiable flat annual fee, not to exceed 2.00% of assets under management
$150 per hour for project-based financial planning.
Minimum fee: $10,000 annually for assets $0 - $5,000,000, $20,000 annually for assets $5,000,000 - $10,000,000 Fee-only: Fees are paid as fixed or flat fees; no commissions received.
Main office location
Planalto Financial
Huntsville AL, United States
Number of offices
1
Most active in
Planalto Financial has reported serving >5 clients in these states in the last 12 months.
Alabama
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
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