Capital and Planning, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
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.
Client services
Expertise
Fee options
$0 - $1,000,000: 1.20% $1,000,000.01 - $2,000,000: 1.00% $2,000,000.01 - $3,000,000: 0.80% $3,000,000.01+: 0.60%
Main office
2242 Mt. Zion Road
Jonesboro GA 30236
Advisors at this office
3
Most active in
Alabama · California · Florida · Georgia · Louisiana · Missouri · Nebraska · North Carolina · South Carolina · Tennessee · Texas · Washington
Also doing business as
Capital And Planning, LLC · Edmondson Capital And Financial Planning
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.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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
Justin F
Series 63, Series 66
Jonesboro, GA
Capital and Planning, LLC
Justin Florence is a financial advisor at Capital and Planning, LLC with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2004. Justin joined Capital and Planning in 2023. Capital and Planning, LLC provides investment management and financial planning services to individuals, small businesses, trusts, estates, and charitable entities. The firm offers both discretionary and non-discretionary portfolio management across a range of asset classes and delivers customized portfolios based on client objectives, with ongoing monitoring and periodic reviews.
Michael E
CFP®, Series 63, Series 65
Jonesboro, GA
Capital and Planning, LLC
Michael Edmondson is a CFP® professional with over 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked with Wells Fargo Clearing. Edmondson also provides investment advisory services through Capital and Planning, LLC, an independent investment advisory firm he is involved with. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm supports its advisors with an in-house research team and a wide range of investment solutions, combining large-scale advisory operations with additional product offerings such as insurance and lending services.
Joseph N
Series 66
Jonesboro, GA
Capital and Planning, LLC
Joseph Norton is a financial advisor at Capital and Planning, LLC with 10 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Wisdom Planning Center, Principal Life Insurance, and Woodbury Financial Services. Norton is also involved in fixed insurance sales, offering life insurance, annuities, Medicare, disability, and long-term care insurance. Capital and Planning, LLC provides discretionary and non-discretionary investment management and financial planning services to individuals, small businesses, trusts, estates, and charities. The firm manages approximately $193.9 million in assets and emphasizes asset allocation, fundamental and technical analysis, and mutual fund and ETF selection tailored to clients’ objectives.
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