Forethought Planning LLC
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About
Forethought Planning works with individual clients to provide comprehensive financial planning and consulting, delivered as either one-time plans or ongoing, tiered planning engagements. The firm also offers seminars, workshops, an online portal, and on-demand educational courses, and it does not manage or custody client investment assets or provide discretionary portfolio management.
The firm structures client work around a progressive “planning arc” with tiered service levels (Foundational through Elite), integrating behavioral financial planning and addressing prioritized complex topics across multiple strategy sessions. Clients are billed through fixed-fee and subscription-style arrangements rather than percentage-of-assets fees, and the monthly billing option is described as a cash-flow convenience rather than reflecting more frequent transactional services.
Notable differences from many peers include disclosed affiliations with a broker-dealer (LPL Financial) and an insurance agency (Simplicity Insurance), and the managing member’s outside insurance and coaching businesses, which the brochure identifies as potential conflicts of interest. The combination of subscription pricing, a formal behavioral planning deliverable at higher tiers, and a technology/course offering — alongside a deliberate choice not to offer asset management or AUM-based fees — distinguishes the firm from typical advisory practices.
Client services
Expertise
Demographic focus
Fee options
Initial Financial Plan fees: Foundational $2,400; Advanced $3,600; Premier $4,400; Elite $5,600; One-time plans range $2,400 to $15,000; Seminars $35 to $100; Online courses $99 or $499 for bundle.
Certain IARs receive external compensation via commissions from LPL Financial and Simplicity Insurance.
Ongoing monthly subscription fees for financial planning ($199 to $449 per month) and technology subscription: Online Portal Access $15 per month.
Fee-only: Ongoing Financial Planning fees range from $199 to $449 per month after an initial fixed fee.
Main office
2909 S Wayzata Blvd
Minneapolis MN 55405
Advisors at this office
2
Most active in
Minnesota · 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 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.
Forms ADV
Quick links
Advisors at this firm
Claire J
Series 63, Series 65
Minneapolis, MN
Forethought Planning LLC
Claire Jackson Stumbras is a financial advisor at Forethought Planning LLC in Minneapolis, MN, with three years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial and Northwestern Mutual. Outside of financial advising, she is involved with The Aliveness Project. Forethought Planning provides comprehensive financial planning and consulting services to individual clients through tiered, fixed-fee and subscription-based engagements. The firm emphasizes behavioral financial planning and offers educational resources but does not manage or custody client assets.
Shannon F
Series 63, Series 66
Minneapolis, MN
Forethought Planning LLC
Shannon Foreman is a financial advisor at Forethought Planning LLC in Minneapolis, MN, with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including LPL Financial, Gateway Wealth Partners, and BMO Harris Financial Advisors. Foreman hosts the Thrive For[e]ward podcast, which is outside of her core advisory activities. Forethought Planning LLC provides comprehensive financial planning and consulting services to individual clients through fixed-fee and subscription models. The firm emphasizes a tiered “planning arc” approach integrating behavioral financial planning and offers educational resources without managing client investment assets or providing discretionary portfolio management.
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