ACA/Prudent Investors Planning Corporation

The firm serves individual investors, corporations, trusts, and retirement and profit‑sharing plans, providing investment advice and an Investment Advisory Service focused on mutual fund shares, variable annuity subaccounts, and related insurance products. It also operates as a registered broker‑dealer and is licensed to sell life, health, disability and annuity contracts, offering advisory services on accounts where it is the broker‑dealer of record.

The firm’s investment process centers on charting daily net asset values and applying predetermined trigger points to move assets between equity and fixed‑dollar accounts, a market‑timing approach where exchanges are made for all clients who meet the firm’s exchange criteria. At the most recent year‑end the firm reported roughly $351 million in advisory assets managed on a non‑discretionary basis, and exchanges are executed within mutual fund families or variable annuity subaccounts when clients have provided authorization.

What is distinctive is the firm’s combination of a very large client roster per supervised advisor and a business mix in which broker‑dealer and insurance sales occupy a substantial portion of firm activity, producing commission‑based income alongside advisory fees that the firm discloses and monitors for conflicts. The firm generally does not use “no‑load” share classes, does not offer wrap accounts, and does not provide discretionary portfolio management for advisory clients, making its offering more authorization‑driven and transactional than many peers.