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Under Par Planning LLC

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Client assets under management

$32,973,144

Clients

75

13% high-net worth

Advisors

2

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

More info

Clients per advisor

38

Low

Average account size

$439,642

About

Under Par Planning provides financial planning and discretionary investment management to individuals, high‑net‑worth clients, retirement plan sponsors, and small business owners. The firm offers ongoing advisory relationships as well as limited‑term engagements, hourly planning, standalone investment management, and retirement plan consulting.

UPP follows a long‑term, strategic asset allocation approach with diversified portfolios that typically use ETFs, mutual funds and, when appropriate, individual securities. The firm emphasizes tax‑aware implementation—such as asset location, tax‑loss harvesting and direct indexing when suitable—and may employ third‑party managers or platform tools while managing portfolios on a discretionary basis.

Notably, UPP offers retirement plan education and fiduciary/participant education, including seminars or workshops for plan sponsors and participants, an offering that is relatively uncommon among similar supported firms. The small advisory team manages roughly $33 million in discretionary assets and discloses custodial and platform relationships (including technology reimbursements and absorbed platform charges) that it reviews and monitors to address related economic incentives.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Retirement income strategy Social Security optimization Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k)

Occupation focus

Founder/Business Owner Retired

Fee options

Fixed

$3,600 total for limited-term financial planning engagements

Percentage

$0 - $600,000: Flat $6,000 fee $600,001 - $1,600,000: 0.75% of assets $1,600,001+: 0.50% of assets

Project-based

$250 per hour for financial planning services

Other

Account minimum: $6,000 Minimum fee: $6,000 minimum annual fee for ongoing financial planning plus discretionary investment management Fee-only: Fee-only advisory firm; no commissions received from third parties

Main office location

Under Par Planning LLC

Buffalo NY, United States

Number of offices

2

Most active in

More info

New York

Disclosures

More info

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

More info

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook X Instagram Website 716-575-2500

Advisors at this firm

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Joseph C

Series 63, Series 65

Buffalo, NY

Under Par Planning LLC

Joseph Chappius is a financial advisor at Under Par Planning LLC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Northwestern Mutual and its affiliated companies for nearly a decade before joining Under Par Planning in 2020. Under Par Planning LLC provides financial planning, investment management, retirement plan consulting, and tax preparation services for individuals and high-net-worth clients. The firm emphasizes long-term, broadly diversified asset allocation using low-cost mutual funds and ETFs, offering tiered planning memberships and continuous portfolio management tailored to client needs.

Retirement income strategy Social Security optimization Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Retired
user avatar

Jeffrey W

CFP®, ChFC®, Series 63, Series 65

Buffalo, NY

Under Par Planning LLC

Jeffrey Wolniewicz is a CFP® and ChFC® with 12 years of experience in the financial services industry. He currently serves as an advisor at Under Par Planning LLC, where he has worked since 2020. Prior to that, he held various roles at Northwestern Mutual from 2011 to 2020. Under Par Planning LLC provides financial planning, investment management, retirement plan consulting, and tax preparation services for individuals and high-net-worth clients. The firm emphasizes long-term, broadly diversified asset allocation primarily through low-cost mutual funds and ETFs, offering discretionary management, periodic rebalancing, and client access varying by membership level.

Retirement income strategy Social Security optimization Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Retired
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