Plan2Retire
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Plan2Retire is a fee‑based independent advisory firm that serves individual households and employer retirement plans, providing discretionary portfolio management, financial planning, and qualified plan consulting. As with many independent advisors, it bills advisory fees tied to assets under management and delivers periodic performance reporting and reviews.
The firm manages accounts under individualized investment policy statements and uses a mix of fundamental, technical, and cyclical analysis; it also may subscribe client accounts to third‑party model portfolios through a model marketplace and custodian relationship. In addition to ongoing wealth management, Plan2Retire offers comprehensive financial consulting, participant education for retirement plans, and public seminars and workshops intended to educate attendees.
Plan2Retire’s profile is atypical for a solo independent firm: one advisor oversees roughly 271 client relationships and about $82 million in assets, and the managing member operates an affiliated insurance business that produces a material portion of revenue (disclosed as commission income). The firm also provides ERISA plan services in both limited‑scope (3(21)) and full discretionary investment manager (3(38)) capacities, and it passes through model marketplace fees charged by its chosen platform.
Client services
Expertise
Occupation focus
Fee options
$500 - $2,500 negotiable flat fee for financial planning; $500 - $2,500 negotiable flat fee for qualified plan consulting
$0 - $500,000: 1.00% annually $500,001 - $1,000,000: 0.85% annually $1,000,001 - $2,000,000: 0.75% annually $2,000,001 - $5,000,000: 0.50% annually Over $5,000,001+: 0.25% annually
$150 per hour for financial planning services
Account minimum: $5,000 Fee-only: Hourly rate $150/hour; Fixed fees $500 - $2,500 for financial planning; Monthly fees for comprehensive consulting from $34 to $194 based on household income; Qualified plan consulting flat fee $500 - $2,500
Main office
19935 National Pike
Hagerstown MD 21740
Advisors at this office
1
Most active in
Florida · Maryland · Pennsylvania · South Carolina · Virginia · West Virginia
Also doing business as
Bowers Advisory Group, LLC · Plan2 Retire
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
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