Plan & Act
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Plan & Act primarily serves individual clients and living trusts and also accepts organizations such as non-profits and institutional clients, delivering fee-only, fiduciary financial planning, investment advice, portfolio management and coaching. The brochure reports approximately $64 million in non-discretionary assets under management/advisement across about 82 clients and describes services that include rollovers, Roth conversions and access to low‑cost mutual funds and ETFs.
The firm’s investment approach is grounded in an economics‑based financial planning framework drawing on academic finance (Merton/ICAPM), with the financial plan as the foundation and a focus on broad, low‑cost multifactor passive funds (including Dimensional target‑date funds) to capture market returns and hedge life‑cycle risks. Plan & Act manages accounts on a non‑discretionary basis, requires client authorization for trades, and treats held‑away assets as part of its Assets Under Advisement when setting ongoing service tiers.
Compared with peers, the firm maintains an affiliated pension consulting business that provides pension plan consulting and employee wellness services to small employers and non‑profits, and it discloses the ability to license its technology and content to other advisors and institutions. It also emphasizes client education and behavioral coaching—offering quarter‑ly review webinars, a results‑coaching service, and a recent shift to tiered service levels that measure value by the breadth and lifetime impact of planning rather than meeting frequency.
Client services
Expertise
Fee options
Initial flat fee $9,995 - $39,995 for comprehensive fiduciary financial plan
$0 - $500,000: No separate AUA fee; covered by minimum financial planning fee $500,001 - $1,000,000: 0.80% $1,000,001 - $5,000,000: 0.40% $5,000,001 - $50,000,000: 0.35% $50,000,001+: 0.25%
Account minimum: $500,000 Minimum fee: Minimum flat Financial Planning and Advisory fee based on client’s service tier (specific tier fees not provided) Fee-only: Initial flat fee $9,995 - $39,995 for development and delivery of comprehensive financial plan; ongoing minimum flat fee based on service tier
Main office
Buena Vista CO
Advisors at this office
3
Most active in
Colorado · Florida · Michigan · Ohio · Texas
Also doing business as
Financial Stages, LLC · Financialadvice4 Me, LLC · People's Financial Advisor · Plan & Act · Plan And Act
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:
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:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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.
Forms ADV
Quick links
Advisors at this firm
Robert S
CFP®
Buena Vista, CO
Plan & Act
Robert Schumann is a CFP® professional with 24 years of industry experience. He is currently with Plan & Act, where he has worked since 2020. Prior to this, he spent two decades at Cambridge Financial Advisors, LLC. Outside of his advisory roles, Mr. Schumann owns The Bridge, LLC, a personal development and life coaching business serving individuals and executives. Plan & Act serves individual clients, living trusts, and organizations including non-profits, providing fee-only, fiduciary financial planning, investment advice, portfolio management, and coaching. The firm utilizes an economics-based financial planning framework with a focus on low-cost multifactor passive funds and non-discretionary account management.
Cameron M
Series 65
Buena Vista, CO
Plan & Act
Cameron Moore is a financial advisor at Plan & Act with a Series 65 designation and one year of industry experience. His prior work includes roles at Riverside Community Church and Lake Travis United Methodist Church, and he has been involved with The Imagery Box since 2014. Plan & Act primarily serves individual clients, living trusts, and organizations such as non-profits and institutional clients, providing fee-only, fiduciary financial planning, investment advice, portfolio management, and coaching. The firm uses an economics-based financial planning framework focused on broad, low-cost multifactor passive funds and manages accounts on a non-discretionary basis.
Christopher T
Series 65
Buena Vista, CO
Plan & Act
Christopher Tanner is a financial advisor at Plan & Act with seven years of industry experience. He holds a Series 65 designation and has worked at firms including Cambridge Financial Advisors and Northwestern Mutual. Outside his primary role, he serves as a team advisor providing ERISA 3(38) investment manager services for small-business and non-profit qualified retirement plans. Plan & Act serves individual clients, living trusts, non-profits, and institutional clients, offering fee-only fiduciary financial planning, investment advice, portfolio management, and coaching. The firm uses an economics-based financial planning framework and focuses on broad, low-cost multifactor passive funds while managing accounts on a non-discretionary basis.
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