PlanVest Financial, Inc.

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Client assets under management

$175,662,231

Clients

307

27% high-net worth

Advisors

of 8 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

Low

Average account size

$572,190

About

PlanVest Financial, Inc. provides wealth planning and ongoing investment management to individual and high‑net‑worth clients, and also offers hourly or fixed‑fee financial planning. Its services cover retirement, tax, estate and education planning, long‑term care analysis, and a marketed PlanVest Federal program aimed at current and former federal employees.

The firm emphasizes tailored portfolios and regular account supervision, with discretionary, limited discretionary or non‑discretionary mandates and periodic rebalancing that considers tax implications. Investment decisions draw on multiple analytical methods — including fundamental, technical, cyclical and charting analysis — and may use mutual funds, ETFs, individual securities, alternative investments and third‑party managers with attention to manager tenure.

Notably, PlanVest acts as the sponsor and portfolio manager of a wrap fee program, an arrangement that is uncommon among comparable team firms, and it offers a Supplemental Comprehensive Advisory Service (SCAS) and hybrid fee options in addition to traditional AUM billing. The firm also signals a niche capability advising federal employees and retirees through advisors who hold the ChFEBC designation, which is a specialized credential not typical for many peers.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General retirement planning Social Security optimization Long-term care insurance

Occupation focus

Government Employee

Fee options

Fixed

Fixed financial planning fees generally range from $2,500 to $5,000 for single client, $3,500 to $6,000 for couple, negotiable

Percentage

$0+: Up to 1.75% annually (negotiable, generally tiered or fixed) $0+: Wrap fee program fee varies based on account size, complexity, expected trade volume, and overall client relationship (see separate appendix) $0+: Hybrid Fee: combination of AUM fee and Supplemental Comprehensive Advisory Service (SCAS) fixed fee, typically for clients with lower AUM

Commissions

Some investment advisor representatives are licensed insurance agents and may receive commissions from insurance sales, but clients are under no obligation to purchase commission-based products.

Project-based

Hourly consulting fees generally range from $250 to $400 per hour, negotiable with Chief Compliance Officer approval

Subscriptions

Supplemental Comprehensive Advisory Service (SCAS) fee is a recurring fixed fee payable monthly or semi-annually, in addition to or in lieu of AUM fee.

Other

Fee-only: Financial planning services charged on hourly or fixed fee basis. Hourly fees range from $250 to $400 per hour; Fixed fees range from $2,500 to $5,000 for single client, $3,500 to $6,000 for couple (negotiable)

Main office location

PlanVest Financial, Inc.

9711 Washingtonian Blvd, Suite, Suite 550

Gaithersburg MD 20878, United States

Number of offices

Most active in

District of Columbia · Florida · Maryland · New York · North Carolina · Pennsylvania · South Carolina · Tennessee · Virginia · West 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 Website (301) 977-7123

Advisors at this firm

Sandeep S

CFP®

Gaithersburg, MD

PlanVest Financial, Inc.

Sandeep Saini is a CFP® professional with one year of experience in financial advising at PlanVest Financial, Inc. Prior to joining PlanVest, he worked in public health and education sectors, including a 22-year tenure with the US Public Health Services and FDA, and six years with SSI Education DBA The Goddard School. PlanVest Financial, Inc. is a team-based registered investment adviser managing approximately $126 million for individuals and high-net-worth clients. The firm provides comprehensive wealth planning and portfolio management, emphasizing customized plans and ongoing supervision tailored to client circumstances, with a diverse investment methodology and multiple fee options.

General retirement planning Social Security optimization Long-term care insurance Government Employee

Sean F

CFP®, CFA®, Series 63, Series 65

Gaithersburg, MD

PlanVest Financial, Inc.

Sean Flynn is a CFP® and CFA® credentialed financial advisor at PlanVest Financial, Inc. with three years of industry experience. He previously worked at Knollwood Investment Advisory for six years and at PNC Bank for seven years. PlanVest Financial is a team-based registered investment adviser managing approximately $126 million for individuals and high-net-worth clients. The firm offers comprehensive wealth planning and portfolio management services, emphasizing customized plans, ongoing supervision, and a variety of fee options tailored to client preferences.

General retirement planning Social Security optimization Long-term care insurance Government Employee

Michael M

Series 63, Series 65

Gaithersburg, MD

PlanVest Financial, Inc.

Michael Mattison is a financial advisor with PlanVest Financial, Inc. in Gaithersburg, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior work includes roles at Purshe Kaplan Sterling Investments and LPL Financial. PlanVest Financial is a team-based registered investment adviser managing approximately $126 million for individual and high-net-worth clients. The firm provides comprehensive wealth planning and portfolio management, emphasizing customized plans and ongoing supervision tailored to clients' circumstances and risk profiles.

General retirement planning Social Security optimization Long-term care insurance Government Employee

Zachary P

CFP®, Series 66

Gaithersburg, MD

PlanVest Financial, Inc.

Zachary Payne is a CFP® professional with nine years of industry experience, currently serving at PlanVest Financial, Inc. since 2017. Prior to this, he worked at LPL Financial LLC and Hood College. PlanVest Financial is a team-based registered investment adviser managing approximately $126 million for individuals and high-net-worth clients. The firm provides comprehensive wealth planning and portfolio management, emphasizing customized plans and ongoing supervision tailored to clients' circumstances and risk profiles.

General retirement planning Social Security optimization Long-term care insurance Government Employee

Robert B

Series 66

Gaithersburg, MD

PlanVest Financial, Inc.

Robert Behr is a financial advisor with PlanVest Financial, Inc. in Gaithersburg, MD, holding a Series 66 designation and 25 years of industry experience. He has been with PlanVest Financial since 2018 and concurrently associated with LPL Financial LLC since 2013. Outside of his advisory role, he is involved in CFO Advisory and Tax Services, LLC, a CPA business offering tax preparation, accounting, and bookkeeping services. PlanVest Financial is a team-based registered investment adviser managing approximately $126 million for individual and high-net-worth clients. The firm provides comprehensive wealth planning, ongoing portfolio management, and tailored financial planning services, emphasizing customized plans and regular portfolio supervision.

General retirement planning Social Security optimization Long-term care insurance Government Employee

Richard C

CFP®, Series 66

Gaithersburg, MD

PlanVest Financial, Inc.

Richard Clonch is a CFP® with 20 years of industry experience. He has been with PlanVest Financial, Inc. since 2017 and also maintains a role at LPL Financial LLC since 2009. He provides investment advisory services through PlanVest Financial, an independent registered investment advisor firm. PlanVest Financial is a team-based registered investment adviser managing approximately $126 million for individual and high-net-worth clients. The firm offers comprehensive wealth planning, portfolio management, and customized financial planning services, employing a variety of investment analyses and providing clients with multiple fee and authority options.

General retirement planning Social Security optimization Long-term care insurance Government Employee

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