Plan & Act

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Client assets under management

$64,000,000

Clients

17% high-net-worth

Advisors

of 4 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Low

Average account size

$780,488

About

Plan & Act serves primarily individual clients and living trusts, including high‑net‑worth households, and also licenses its financial‑wellness technology to other advisors and institutions. The firm provides economics‑based financial planning, portfolio management on a nondiscretionary basis, results coaching, and pension consulting services through an affiliated pension consulting entity.

The firm’s investment and planning approach is grounded in continuous‑time, economics‑based financial life planning derived from the ICAPM and implemented with broadly diversified, low‑cost multifactor funds and targeted hedging strategies. Clients may engage at multiple service levels—from do‑it‑yourself financial plans through advisor‑assisted implementation to advisor‑delegated separately managed accounts—and the firm uses a 10‑factor Endogenous Risk Analysis to tailor risk and allocation recommendations.

Plan & Act is notable among peers for maintaining primarily nondiscretionary AUM (approximately $64 million) and for an explicit affiliation that provides retirement plan consulting and employee‑wellness services. The firm also emphasizes client education—running quarterly review webinars and coaching—and discloses adherence to third‑party fiduciary practice standards (CEFEX), as well as offering specialized tax‑sensitive and risk‑parity options for high‑net‑worth clients.

Client services

Financial planning Portfolio management Selection of other advisers Newsletters or periodicals Educational seminars or workshops

Expertise

Wealth management Tax-loss harvesting Retirement income strategy Roth conversion strategy

Fee options

Fixed

Initial financial plan fee $9,995 - $30,000; Economics-based financial plan without wealth management $15,000

Percentage

$100,001 - $500,000: 0.75% $500,001 - $1,000,000: 0.50% $1,000,001 - $5,000,000: 0.40% $5,000,001 - $50,000,000: 0.35% $50,000,001+: 0.25%

Subscriptions

$3,750/quarter ($15,000 annually) minimum for Wealth Management Service Agreement; $1,500/quarter ongoing flat financial planning fee under Portfolio Management Service Agreement

Other

Account minimum: $100,000 Minimum fee: $15,000 annually (Wealth Management Service Agreement minimum) Fee-only: Flat Financial Planning fee of $1,500/quarter plus graduated Investment Advisory fees as per tiers; initial flat plan fee $9,995 - $30,000

Most active in

Colorado · Florida · Michigan · Ohio · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

LinkedIn Facebook YouTube Website 7199665100

Advisors at this firm

Robert S

CFP®

Buena Vista, CO

Plan & Act

Robert Schumann is a CFP® professional with 24 years of experience in financial advising. He has worked at Plan & Act since 2020 and previously held roles at Cambridge Financial Advisors, LLC, and several other financial services firms. Outside of his advisory work, he owns The Bridge, LLC, which provides personal development and life coaching services to individuals, executives, and businesses. Plan & Act serves individual clients, living trusts, non-profits, and institutional clients by offering economics-based financial planning, portfolio management, and results coaching. The firm employs a non-discretionary investment approach focused on multifactor passive funds and integrates behavioral coaching with regular client reviews.

Wealth management Tax-loss harvesting Retirement income strategy Roth conversion strategy

Cameron M

Series 65

Buena Vista, CO

Plan & Act

Cameron Moore is a financial advisor at Plan & Act with one year of industry experience and holds a Series 65 designation. His prior work includes roles at Riverside Community Church, Lake Travis United Methodist Church, and All CAT Claims. He is also involved with The Imagery Box, a business he has operated since 2014. Plan & Act primarily serves individual clients, living trusts, and non-profits, offering economics-based financial planning, portfolio management, and results coaching. The firm emphasizes a non-discretionary investment approach using low-cost, multifactor passive funds and integrates behavioral coaching with periodic client reviews.

Wealth management Tax-loss harvesting Retirement income strategy Roth conversion strategy

Christopher T

Series 65

Buena Vista, CO

Plan & Act

Christopher Tanner is a financial advisor at Plan & Act with six years of industry experience. He holds a Series 65 credential and has worked previously with Cambridge Financial Advisors, Northwestern Mutual, and Hoover and Associates Financial Services. Outside of his advisory role, Tanner is employed as a team advisor providing fiduciary consulting and ongoing advice on retirement plan design for small businesses and non-profits. Plan & Act serves individual clients, living trusts, non-profits, and institutional clients, offering economics-based financial planning, portfolio management, and results coaching. The firm employs a non-discretionary investment approach using multifactor passive funds and ETFs, combining behavioral coaching with client reviews and approvals.

Wealth management Tax-loss harvesting Retirement income strategy Roth conversion strategy

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