PlanWell Financial Guidance, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$55,067,015
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
110
16% high-net worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
110
Very HighAverage account size
$500,609
About
PlanWell Financial Guidance provides fee-only financial planning and portfolio management to individual clients (including high-net-worth individuals), as well as charitable organizations and businesses. The firm offers ongoing subscription-based financial guidance, limited/ hourly reviews, life-stage planning packages, and retirement plan consulting for plan sponsors.
The firm’s investment approach emphasizes passive investment management, with multi-factor (smart‑beta) elements and fundamental analysis when constructing client plans; it may implement portfolios using third‑party models and typically exercises discretionary trading authority for managed accounts. PlanWell uses third‑party technology, including AI for administrative tasks such as transcribing meetings and drafting documents, and states that AI outputs are processed in a secure environment, are not used to train public models, and are subject to human review; the brochure also notes AI is not used for investment decision‑making.
Distinctive features include a single‑advisor practice overseeing roughly $55.6 million in discretionary assets for about 110 clients while offering no account minimums, packaged six‑month life‑stage planning engagements (including a newlywed guidance offering priced as a percentage of combined income), and explicit written policies on human oversight and privacy protections around AI use.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
General retirement planning
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Demographic focus
Newlywed/Engaged
Fee options
Ongoing Financial Guidance upfront fee $500 to $1,000; Life-Stage Financial Planning fees: Retirement-time Guidance $3,240 single, $4,020 couple; Life-event Guidance $3,000 single, $3,720 couple; Newlywed Guidance 1.5% of combined gross income with $600 minimum; Financial Review $950 single, $1,200 couple
$0 - $800,000: 0.80% $800,001+: $6,400 maximum annual fee (flat) $0 - $800,000: $1,000 fixed fee for Retirement Plan Consulting up to 10 participants $0 - $800,000: $2,000 fixed fee for Retirement Plan Consulting up to 20 participants $0 - $800,000: $3,000 fixed fee for Retirement Plan Consulting up to 30 participants $800,001 - $5,000,000: 0.35% $5,000,001+: 0.25%
$190.00 per hour for Hourly Consulting
Ongoing Financial Guidance monthly or quarterly fees ranging from $100 to $400 per month or $300 to $1,200 per quarter; Investment Advisement fees $30 to $120 per month or $90 to $360 per quarter
Minimum fee: $150 annual minimum fee for Investment Management service Fee-only: Investment Management, Investment Advisement, Financial Planning services offered on a fee-only basis
Main office location
PlanWell Financial Guidance, LLC
421 E. Main St, Ste. 100
Blooming Prairie MN 55917, United States
Number of offices
1
Most active in
PlanWell Financial Guidance, LLC has reported serving >5 clients in these states in the last 12 months.
Minnesota
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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