Variplan, LLC

Variplan provides integrated financial planning and non‑discretionary investment advice to individuals and trusts through its proprietary Vantage™ engagement, an annual fixed‑fee package. The firm also offers customized analytic and hourly consulting engagements for clients who need project‑specific work.

The firm’s investment advice is driven by quantitative analysis — including two‑variable Monte Carlo simulation, mean‑variance optimization, regression and expected‑value methods — and favors diversified, low‑cost index funds and ETFs with periodic rebalancing to pursue probability‑based funding of clients’ lifetime goals. Vantage clients receive periodic plan reviews (typically one or two per year) and may, at no additional charge, use VAMAP for assistance in directing trades at Charles Schwab when a limited power of attorney is granted.

Distinctive operational features include a fixed, advance fee structure (Variplan states it does not charge fees based on a percentage of assets or performance fees) with initiation fees and longevity discounts at renewal. The brochure also notes the adviser does not accept custody, does not exercise investment discretion or vote client proxies, and generally does not aggregate client transactions, which affects how clients implement and execute the firm’s recommendations.