Wealth Planning Systems, LLC

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Client assets under management

$10,740,000

Clients

5% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$145,135

About

Wealth Planning Systems serves individual and high‑net‑worth clients with personalized financial planning and investment management. Services include ongoing asset management delivered on a non‑custodial basis and comprehensive planning across cash flow, tax, insurance, retirement, and estate matters.

The firm’s investment services are provided primarily on a non‑discretionary basis, meaning advisors consult with clients and obtain authorization before executing trades, and client objectives are documented via investment policy statements and risk tolerance assessments. Analysis methods include fundamental, technical, and cyclical approaches; accounts are reviewed periodically and the firm may retain other registered advisors to manage portions of client assets when appropriate.

Noteworthy features relative to peers include the firm's predominantly non‑discretionary model and its affiliation with insurance and broker‑dealer businesses, where firm principals devote substantial time to those activities — a relationship disclosed as a potential conflict and addressed through disclosures and fiduciary procedures. The firm operates on a relatively small scale with a compact client roster and blends fee‑based AUM management with negotiable fixed‑fee and hourly planning engagements.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning General estate planning guidance General tax planning Cash flow / budgeting

Fee options

Fixed

Fixed fee up to $499 based on complexity

Percentage

$0 - $74,999.00: 2.00% annually $75,000.00 - $99,999.00: 1.75% annually $100,000.00 - $249,999.00: 1.00% annually $250,000.00 - $499,999.00: 0.80% annually $500,000.00 - $749,999.00: 0.50% annually $750,000.00 - $999,999.00: 0.40% annually $1,000,000.00 - $1,499,999.00: 0.30% annually $1,500,000.00+: 0.25% annually

Project-based

$125 to $250 per hour, billed in quarter hour increments

Other

Account minimum: $50,000 Fee-only: Fixed fee up to $499; hourly fee $125 to $250 per hour

Main office location

Wealth Planning Systems, LLC

Bloomington MN, United States

Number of offices

Most active in

Minnesota

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

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

Quick links

952-881-6081

Advisors at this firm

James R

ChFC®, Series 63, Series 66

Bloomington, MN

Wealth Planning Systems, LLC

James Robertson is a ChFC® with 35 years of experience in financial services. He is principal at Wealth Planning Systems, LLC and has held roles at Innovation Partners, LLC and Combined Benefits Corp. In addition to his financial career, he serves as a chair umpire and roving official for the United States Tennis Association Northern Section. Wealth Planning Systems serves individual and high-net-worth clients with personalized financial planning and investment management, primarily on a non-discretionary basis. The firm integrates fundamental, technical, and cyclical analysis methods and offers comprehensive planning across multiple financial areas.

General retirement planning General estate planning guidance General tax planning Cash flow / budgeting

William R

ChFC®, Series 63

Bloomington, MN

Wealth Planning Systems, LLC

William Robertson is a financial advisor at Wealth Planning Systems, LLC in Bloomington, MN, holding the ChFC® designation and Series 63 license with 12 years of industry experience. He has been involved with Wealth Planning Systems since 2010 and also operates Combined Benefits Corp, an independent insurance agency, where he has worked since 1983. Wealth Planning Systems serves individual and high-net-worth clients with personalized financial planning and investment management, primarily providing non-discretionary asset management alongside comprehensive planning in areas such as cash flow, tax, insurance, retirement, and estate matters.

General retirement planning General estate planning guidance General tax planning Cash flow / budgeting

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