Advice & Planning Services LLC

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Client assets under management

$187,120,487

Clients

319

14% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

160

Very High

Average account size

$586,585

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

Financial planning Portfolio management

Expertise

Passive / index investing General retirement planning College savings (529s, UTMA, etc.)

Fee options

Fixed

Financial planning fees range from $1,500 to $5,000 fixed fee per plan.

Percentage

$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%

Commissions

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.

Other

Account minimum: $100,000

Main office location

Advice & Planning Services LLC

10 North 4 Th Street, Suite 100

Youngwood PA 15697, United States

Number of offices

Most active in

Pennsylvania

Disclosures

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:

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 Form ADV Part 3: Client Relationship

Quick links

Website 724-635-0427

Advisors at this firm

Christina B

Series 65

Youngwood, PA

Advice & Planning Services LLC

Christina Bryner is a financial advisor at Advice & Planning Services LLC with eight years of industry experience. She holds a Series 65 designation and has worked at her current firm since 2017. Outside of advising, she has been involved with East Pittsburgh Courier Services, LLC since 2016 and previously with Greensburg Alliance Church. Advice & Planning Services LLC is an independent, single-advisor firm providing portfolio management and financial planning to individual and high-net-worth clients. The firm uses a diversified investment approach focused primarily on ETFs, combining modern portfolio theory with multiple analytical methods to align portfolios with client goals and risk tolerances.

Passive / index investing General retirement planning College savings (529s, UTMA, etc.)

Ryan N

CFP®, Series 63

Youngwood, PA

Advice & Planning Services LLC

Ryan Naugle is a CFP® with 24 years of industry experience, currently serving as the sole advisor at Advice & Planning Services LLC. He has worked at Purshe Kaplan Sterling Investments since 2016 and briefly at Global Financial Private Capital, LLC in 2015-2016. He is also licensed to offer insurance products through Ash Brokerage for clients requiring life, disability, or long-term care coverage. Advice & Planning Services LLC is an independent, single-advisor firm that provides ongoing portfolio management and financial planning to individual and high-net-worth clients. The firm employs a multi-method investment approach focused primarily on ETFs and manages accounts on both discretionary and non-discretionary bases, with regular quarterly reviews.

Passive / index investing General retirement planning College savings (529s, UTMA, etc.)

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