Earnest Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Earnest Planning LLC is a fee‑only investment adviser that serves individuals and high‑net‑worth individuals with wealth management and financial planning services. The firm offers portfolio management for individual accounts and prepares written financial plans that can address cash flow, retirement, tax strategies, estate planning, college funding, insurance, and business planning.
The firm’s investment work emphasizes asset allocation and passive investment strategies, with the option to incorporate socially responsible (ESG) approaches and to customize portfolios to client values; it may manage client accounts on a discretionary basis while accepting reasonable client‑imposed, written restrictions. Earnest Planning also subscribes to model portfolios through the Altruist Model Marketplace and may recommend or engage outside managers to implement portions of client portfolios.
Compared with peers in the same category, Earnest Planning has several uncommon features: it charges fixed, flat fees rather than purely asset‑based or hourly billing, and it formally provides selection of other advisers or outside managers rather than receiving third‑party sales compensation. The firm was newly registered at the time of its filing with no assets under management, lists a CFP® as its principal with prior industry experience, and does not act as a private‑fund adviser.
Client services
Expertise
Fee options
$0 - $500,000: Included in $5,000 flat fee $500,001 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.50% $5,000,000+: 0.30%
Minimum fee: Annual flat fee of $5,000 for the first $500,000 of assets under management Fee-only: Fee-only advisory firm compensated solely by clients' fees without commissions
Main office
Chicago IL
Advisors at this office
1
Most active in
Illinois
Also doing business as
Earnest Planning · Earnest Planning LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Forms ADV
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