Financial Planning HQ, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Financial Planning HQ provides comprehensive financial planning and related consultative services to individual clients, offering broad-based and single-subject plans and ongoing plan maintenance. The firm typically works with clients who have multi-million dollar investable assets for planning-only engagements and also offers combined planning and wealth-management relationships for smaller account sizes, with legacy clients able to access third-party portfolio management.
The firm does not manage client portfolios or trade securities on clients’ behalf; instead it advises on asset allocation and selects unaffiliated third‑party money managers (notably using the Orion Portfolio Solutions platform) for implementation and ongoing management. Financial Planning HQ emphasizes an ongoing planning process with an initial review and multiple scheduled meetings in the first year and annual plan updates, safety reviews, and annual insurance checks.
What is uncommon for a firm of this size is that it does not take custody or discretionary trading authority, does not directly offer percentage‑of‑AUM billing for planning engagements, and reports no assets under management because portfolio management is provided by external managers. The adviser team is insurance‑licensed but the firm generally does not collect insurance commissions itself, instead referring clients to independent insurance subject‑matter experts and receiving adviser fees through the third‑party platform when clients engage managed accounts.
Client services
Expertise
Occupation focus
Fee options
Account minimum: $1,000,000 Fee-only: Financial Planning Only Services: Fixed fee ranging from $12,000 to $36,000 per year, negotiable based on complexity and scope; typically paid monthly (1/12 of annual fee) or semi-annually (1/2 of annual fee). Financial Planning and Wealth Management Services: Financial planning fee of $6,500 plus an Adviser Fee of 1% of assets under management.
Main office
13526 George Rd., Suite 208
San Antonio TX 78230
Advisors at this office
3
Most active in
Texas
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
Quick links
Advisors at this firm
Steve W
ChFC®, Series 63
San Antonio, TX
Financial Planning HQ, LLC
Steve Warren is a ChFC® credentialed advisor with 38 years of industry experience, currently with Financial Planning HQ, LLC in San Antonio, TX. He has held prior roles at Lincoln Financial Securities, Inc., Mass Mutual, and Metlife Securities Inc. Outside of advisory work, Warren owns an insurance business offering disability, traditional, and long-term care insurance as well as fixed annuities and premium financing. Financial Planning HQ provides comprehensive financial planning services primarily to clients with multi-million dollar investable assets, focusing on consultative financial planning and the selection of third-party money managers for portfolio management. The firm does not manage portfolios directly and emphasizes an ongoing planning process with regular reviews and updates.
Jacob W
Series 66
San Antonio, TX
Financial Planning HQ, LLC
Jacob Warren is a financial advisor at Financial Planning HQ, LLC in San Antonio, TX, with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Lincoln Financial Securities Corporation, MML Investors Services, LLC, MassMutual Life Insurance Company, and MetLife Securities Inc. Warren is also licensed to offer traditional life insurance and fixed annuities. Financial Planning HQ provides comprehensive financial planning and ongoing plan maintenance to individual clients through a three-advisor team. The firm focuses on tailored financial plans, safety and insurance reviews, and broad asset allocation guidance, referring clients to third-party money managers for discretionary portfolio management.
Joseph W
Series 66
San Antonio, TX
Financial Planning HQ, LLC
Joseph Warren is a financial advisor at Financial Planning HQ, LLC in San Antonio, TX, holding a Series 66 designation with 11 years of industry experience. His prior roles include positions at Lincoln Financial Securities, Mass Mutual Investors Services, MassMutual Life Insurance Company, and MetLife Securities. Outside of advising, he is involved in retail reselling and owns a vending machine service business. Financial Planning HQ provides comprehensive financial planning and ongoing plan maintenance for individual clients, focusing on tailored plans, insurance reviews, and broad asset allocation guidance without discretionary trading authority. The firm serves a small client base through a three-advisor team and refers clients seeking active portfolio management to an unaffiliated third-party money manager.
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