Financial Planning Advisors Inc.

Financial Planning Advisors, Inc. is a Pennsylvania state-registered investment adviser that serves individuals (including high-net-worth clients), pension and profit-sharing plans, charitable organizations, and corporations, offering comprehensive financial planning, annual review retainers, and customized managed investment advisory programs. Services include written financial plans, non-continuous annual review services, discretionary portfolio management through platforms such as LPL’s Strategic Wealth Management and LPL-sponsored wrap fee programs, and access to third‑party asset managers (for example, SEI) via manager-of-managers arrangements.

The firm’s advisory process begins with in‑depth client fact‑finding and the preparation of a written Personal Investment Policy Statement, then applies asset-allocation, fundamental and technical analysis, and mutual fund/ETF selection to construct and monitor portfolios, with reviews at least annually or quarterly depending on the program. FPA implements strategies both on a discretionary basis through platform and manager relationships and on a non‑discretionary or consulting basis, and it monitors third‑party managers and rebalances accounts as client circumstances or market conditions warrant.

Compared with many peers, FPA has several uncommon industry affiliations and activities: its IARs are also registered representatives of LPL Financial, the firm is affiliated with an accounting practice (FPA Tax Services, LLC) and with another investment adviser (Van Reed Wealth Management), and FPA operates as a licensed insurance agency selling life, health, and fixed annuity products. The brochure also discloses that the firm may use margin borrowing in client accounts and that advisors sometimes absorb transaction charges for select family or legacy accounts, items the firm identifies as potential conflicts of interest and addresses in its disclosures and policies.