Iplan

iPlan works primarily with individual and high‑net‑worth clients and also accepts investment companies, charitable organizations, and businesses. The firm provides discretionary portfolio management alongside financial planning services delivered on both a project and an ongoing basis, covering topics such as business planning, employee benefits optimization, retirement planning, estate planning, and insurance review.

The firm’s investment process is built around modern portfolio theory and a mostly passive approach using index mutual funds and ETFs to target asset‑class exposures, while also incorporating cyclical and fundamental analysis where appropriate. iPlan manages accounts on a discretionary basis, conducts regular monitoring and reviews, and may recommend third‑party managers or custodians such as Charles Schwab, Altruist, or Trade‑PMR, including occasional block trading to allocate aggregated orders.

Notable differences from many peers include professional credentials focused on portfolio construction and federal employee benefits (APMA and ChFEBC), and an emphasis on combining financial planning with insurance distribution: supervised persons are licensed to sell insurance and annuities through multiple carriers and may recommend those products as part of planning. The firm also offers an ongoing, subscription‑style planning engagement with continuous monitoring and maintains relationships with third‑party business and legal consultants for client work, practices that can result in more integrated planning but also introduce potential conflicts that the brochure discloses and describes how they are managed.