Advice & Planning Services LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Advice & Planning Services LLC provides portfolio management and financial planning services primarily to individual and high-net-worth investors. The firm reports managing roughly $187 million in client assets across 319 client relationships and offers both discretionary and non-discretionary services with individualized Investment Policy Statements for each client.
The firm uses model portfolios and a mix of analytical techniques — including modern portfolio theory, quantitative, fundamental, technical, and charting analysis — and generally pursues a long-term trading approach. It primarily recommends ETFs to a majority of clients, documents risk tolerances in written IPSs, and conducts at least quarterly reviews of client accounts.
What is distinctive about the firm is that one or more of its principals also operates as a registered representative of a broker-dealer and is licensed to sell insurance products, a relationship that the brochure discloses can result in commission-based recommendations and associated conflicts that are documented for clients. The firm also manages client assets in-house (does not select third‑party managers), participates in an institutional custodial program that can provide soft‑dollar benefits, and operates with a relatively high client load given its two-advisor structure.
Client services
Expertise
Fee options
Financial planning fees range from $1,500 to $5,000 fixed fee per plan.
$100,000 - $250,000: 1.05% $250,001 - $500,000: 0.95% $500,001 - $1,000,000: 0.85% $1,000,001 - $2,000,000: 0.75% $2,000,001 - And Up: 0.65%
Advisory personnel receive commissions for sale of investment and insurance products as an outside business activity, but commissions are not the firm’s primary source of compensation.
Account minimum: $100,000
Main office
10 North 4th Street, Suite 100
Youngwood PA 15697
Advisors at this office
2
Most active in
Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Christina B
Series 65
Youngwood, PA
Advice & Planning Services LLC
Christina Bryner is a Series 65-licensed advisor with nine years of industry experience. She has been with Advice & Planning Services LLC since 2017 and also has a background with East Pittsburgh Courier Services, LLC. Advice & Planning Services LLC provides portfolio management and financial planning primarily to individual and high-net-worth investors. The firm manages approximately $187 million in client assets, employs a range of analytical techniques including modern portfolio theory and quantitative analysis, and typically recommends ETFs with a long-term trading approach.
Ryan N
CFP®, Series 63
Youngwood, PA
Advice & Planning Services LLC
Ryan Naugle is a CFP® with 25 years of industry experience. He is affiliated with Advice & Planning Services LLC, where he has worked since 2016. Prior to this, he spent time with Purshe Kaplan Sterling Investments. Additionally, he holds a role as a licensed insurance broker through Ash Brokerage, offering clients life, disability, and long-term care coverage as needed. Advice & Planning Services LLC provides portfolio management and financial planning primarily to individual and high-net-worth investors. The firm manages approximately $187 million in assets and employs a long-term trading approach using model portfolios and various analytical techniques, mainly recommending ETFs and conducting regular account reviews.
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