Strategic Planning Associates
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$8,684,130
Clients
38
16% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
38
HighAverage 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:
-
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
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")