Capital and Planning, LLC

Capital and Planning, LLC provides discretionary and non-discretionary investment management and financial planning to individuals (including high-net-worth clients), small businesses, trusts, estates, and charities. As disclosed in the brochure, the firm reported approximately $193.9 million in assets under management and serves 517 clients through two advisors, and offers portfolio management, cash management, and plan-specific advice such as rollover guidance.

The firm’s investment process emphasizes asset allocation, fundamental and technical analysis, and mutual fund/ETF selection, with portfolios designed to clients’ stated objectives and monitored for rebalancing and tax opportunities. It may recommend alternative investments (including real estate funds) where appropriate, provides written financial plans (without additional charge when combined with advisory services), and uses the eMoney Advisor platform for consolidated reporting.

Noteworthy features include an unusually high client-to-advisor ratio—about 258 clients per advisor—which the brochure highlights as uncommon among peers and corresponds with the firm’s reliance on standardized workflows and third-party platforms for reporting and custody. Advisors are also licensed insurance agents and registered representatives of LPL Financial, with insurance activities representing roughly 10% of advisor revenue; the brochure discloses this dual role and describes policies and disclosures intended to address the resulting conflicts of interest.