Plan Ahead Financial Management, Inc.

Plan Ahead Financial Management serves individual and high-net-worth clients and also accepts pension and profit-sharing plan relationships. The firm provides discretionary asset management together with financial consulting on cash flow, budgeting, retirement and estate planning, managing roughly $66 million across about 55 client relationships and maintaining no stated account minimum.

Investment strategies are tailored to each client and implemented on a discretionary basis, with portfolios constructed across equities, fixed income, mutual funds, ETFs, options and other instruments. The firm relies on Bloomberg-sourced technical and fundamental analysis, monitors positions daily, employs conservative option strategies (such as covered calls and cash-covered puts), and uses block trading to equalize execution across client accounts.

Noteworthy features include long-term private ownership since 1992 and a small advisory team that combines a recently certified CFP professional with extensive retirement-plan and insurance-related experience; the owner holds an insurance license but is not actively selling and the firm offsets any related commissions against advisory fees. The firm does not participate in wrap fee programs, does not vote client proxies, manages all client assets on a discretionary basis, and provides quarterly reports while arranging fee deduction through custodians (constructive custody).