Personal Legacy Planners
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
PLP Advisors, LLC works with individuals, trusts and estates, charities, retirement plans and business entities to provide financial planning, tailored advice and access to investment management. The firm prepares written financial plans and review consultations but does not directly manage or custody client assets, engaging clients only after a formal agreement is executed.
Investment recommendations are implemented through model portfolios and third‑party sub‑advisers, and the firm’s planning and allocation work draws on macro‑economic, technical and charting analysis and may include long‑ and short‑term positions and options. Execution, trading and custodian relationships are handled by the selected third‑party adviser while the firm retains an ongoing monitoring and client‑advice role and meets with clients periodically.
PLP’s brochure highlights several features that differ from many peers: it discloses recent material changes in ownership and firm arrangements, publishes a complimentary third‑party newsletter, and documents affiliated insurance and precious‑metals businesses. The firm also discloses ownership ties to a holding company that is connected to the recommended sub‑adviser and the existence of fee‑sharing arrangements with that sub‑adviser, each noted as potential conflicts with described mitigation measures.
Client services
Expertise
Fee options
Fixed financial planning fees ranging from $250 to $20,000, negotiable and agreed in advance.
$0 - $500,000: 1.90% $500,000+: 1.00%
Up to $500 per hour for financial planning services; maximum fee chargeable $20,000; review consultations up to $500 per hour with maximum $5,000.
Main office
961 Four Mile Road NW, Suite B
Grand Rapids MI 49544-8252
Advisors at this office
3
Most active in
Florida · Michigan
Also doing business as
Personal Legacy Planners · Plp Advisors, LLC · Veritas Specialized Investment Services, LLC
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
Advisors at this firm
Dennis T
Series 63, Series 65
Grand Rapids, MI
Personal Legacy Planners
Dennis Tubbergen is a financial advisor with Personal Legacy Planners in Grand Rapids, MI, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been associated with PLP Advisors, LLC since 2020 and is involved with PLP Metals, LLC, which buys and sells precious metals. Tubbergen’s other business activities include work in case design for wholesale fixed life and annuity products and management consulting. Personal Legacy Planners serves individuals, trusts, estates, charities, retirement plans, and business entities by providing financial planning, tailored advice, and access to investment management. The firm offers written financial plans and consultations but does not directly manage client assets, instead implementing recommendations through model portfolios and third-party sub-advisers.
Robert N
Series 65
Grand Rapids, MI
Personal Legacy Planners
Robert Nabulere is a financial advisor at Personal Legacy Planners with a Series 65 credential and one year of industry experience. His prior roles include positions at Retirement Lifestyle Advocates, Three Rivers FCU, and Huntington University. Personal Legacy Planners serves individuals, trusts, estates, charities, retirement plans, and business entities by providing financial planning and tailored advice without directly managing client assets. The firm employs model portfolios and third-party sub-advisers for investment execution while maintaining ongoing client monitoring and advice.
Frederick G
Series 63, Series 65
Grand Rapids, MI
Personal Legacy Planners
Frederick Gearhart is a financial advisor with Personal Legacy Planners and holds Series 63 and Series 65 licenses. He has 27 years of industry experience and serves as managing member of several related entities including PLP Advisors, LLC, and PLP Services, LLC. He is also trustee of a trust owning interests in multiple investment firms and is involved in an insurance agent marketing business. PLP Advisors, LLC provides financial planning and tailored advice for individuals, trusts, estates, charities, retirement plans, and business entities. The firm utilizes model portfolios and third-party sub-advisers for investment management and emphasizes a combination of macro-economic, technical, and charting analysis in its planning and allocation work.
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