From Planning to Living LLC

From Planning to Living LLC serves individuals, families, high-net-worth clients, and employer plan sponsors, offering investment advisory services through third‑party managers, ongoing and project‑based financial planning, and employee benefit plan consulting. The firm also provides educational seminars and speaking engagements on financial topics for groups, sometimes on a paid or pro‑bono basis.

The firm operates primarily on a non‑discretionary basis, reporting no discretionary AUM and $6,201,205 in non‑discretionary assets under management, and requires client authorization before implementing portfolio changes. It assists clients in selecting outside managers and AssetMark platform solutions, applies both passive and active strategies informed by asset allocation and mutual fund/ETF analysis, and conducts periodic reviews of outside managers and client portfolios.

Compared with peers, the combination of primarily non‑discretionary management, formal pension/employee benefit plan services for plan sponsors, and the regular offering of public seminars and speaking engagements is atypical for a solo independent adviser. The firm’s use of TAMPs and outside managers alongside client‑directed implementation and group education reflects a hybrid advisory model uncommon among small independent practices.