Strategic Planning Associates
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$8,684,130
Total clients
38
16% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
38
Average account size
$228,530
About
Strategic Planning Associates provides financial planning and discretionary, non-wrap portfolio management to individuals, retirement plans, trusts, estates, charitable organizations and business clients. Services described in the brochure include holistic or modular financial planning, hourly consulting, and management of portfolios holding equities, ETFs, mutual funds, corporate and municipal debt, certificates of deposit and other securities.
The firm says it constructs asset-allocation models tailored to each client’s goals, risk tolerance and time horizon and implements those models on a discretionary basis while allowing clients to impose written restrictions. Accounts are custodied through Charles Schwab Institutional, reviewed at least annually (or sooner when circumstances change), and clients receive custodial statements directly while the adviser monitors performance and suitability.
A distinctive feature noted in the brochure is that the principal and associates are licensed insurance agents and may offer commissionable life, health, disability, long-term care and fixed-annuity products; the firm discloses affiliations with insurance marketing organizations and the potential conflicts that dual compensation can create. The brochure also highlights the principal’s long tenure in investment advice (since 1975) and the firm’s small-scale, relationship-focused practice as part of its service model.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Life insurance needs analysis
General estate planning guidance
Cash flow / budgeting
Fee options
Fixed fees for financial planning services as agreed in financial planning agreement.
$0 - $2,000,000: 1.5% $2,000,001 - $5,000,000: 1.0% Over $5,000,000+: Negotiable
Commissions earned from insurance products sales by licensed associates.
Hourly fees for financial planning and consulting services.
Account minimum: $25,000 Fee-only: Fixed or hourly fees for financial planning services; fees negotiable on a case-by-case basis.
Most active in
Strategic Planning Associates has reported serving >5 clients in these states in the last 12 months.
Massachusetts
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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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