Duluth, MN Office

Midwest Professional Planners (MPPL Financial) is an SEC‑registered advisory firm that serves individuals (including high‑net‑worth clients), businesses, retirement plans, charities, and other legal entities; the firm reports roughly $649 million in assets under management across about 710 client relationships and a team of 17 advisors. It provides comprehensive financial planning and consulting, discretionary portfolio management, ERISA/qualified plan services, retirement coaching modules (the “Retirement Enhancer”), and specialized services such as divorce planning, and refers clients to an affiliated insurance brokerage for insurance products.

The firm combines client‑specific financial planning with discretionary model strategies and custom portfolios, using quantitative methods, optimization tools, and a mix of individual securities and low‑cost ETFs; it implements strategies either directly or through sub‑advisers and model portfolios (including its Strategic Asset Strategy on the Betterment platform). MPPL provides ongoing plan updates, rebalancing and consolidated performance reporting, and offers participant education for retirement plans and other group workshops as part of its services.

MPPL’s disclosures show several features that are uncommon among similar team firms: some advisory personnel are registered representatives of APW Capital and may effect commissionable transactions (including annuities), the firm operates an affiliated insurance agency, and it maintains a sub‑advisory/wrap relationship with Betterment and an ownership interest in DAF Gives Charitable (a donor‑advised fund) that it may offer to clients. The brochure also discloses paid marketing arrangements (including a SmartVestor profile and vendor‑sponsored events), notes that it may advertise performance and use testimonials, and highlights distinctive offerings such as retirement coaching in partnership with Metamorphosis CCT and dedicated divorce planning services.