Planful Finance LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Planful Finance LLC advises individual clients, including high‑net‑worth households, through discretionary portfolio management and comprehensive financial planning. The firm offers a three-part service menu that combines standalone planning with managed accounts and model portfolios to align ongoing investment management with clients’ planning needs.
The firm’s investment process is portfolio‑driven and tailored to client objectives, relying on Modern Portfolio Theory and long‑term allocations built primarily from ETFs, mutual funds, and liquid REITs; it may also incorporate ESG screens and covered‑call option strategies where suitable. Clients typically grant discretionary trading authority, and Planful documents tax and cash‑management considerations while recommending custodial arrangements appropriate to each service tier.
A few operational features make Planful distinctive for a two‑advisor, recently registered firm managing roughly $53.7 million: it runs two clearly different implementation tracks (an advisor‑led Schwab custody tier alongside a Betterment for Advisors implementation for another tier), explicitly documents billing and integration of “held‑away” accounts into overall strategies, and discloses use of option‑writing strategies and model portfolios — attributes not universally described by peers of similar size.
Client services
Expertise
Fee options
Financial planning fixed fee negotiated per client, generally between $500 and $10,000
$0 - $1,000,000: 1.0% $1,000,001 - $2,000,000: 0.8% $2,000,001 - $5,000,000: 0.6% $5,000,001 - $10,000,000: 0.4% $10,000,001+: 0.2%
$300 per hour for single subject financial planning/general consulting services
Account minimum: $300,000 for Planful Investor; $1,000,000 for Planful Partner (minimum can be waived at firm's discretion) Minimum fee: Minimum annual fee of $1,500 to open and maintain an advisory account; may be waived at discretion Fee-only: Financial planning fixed fees range between $500 and $10,000; hourly financial planning rate is $300/hour
Main office
525 3rd Street, Suite 200
Lake Oswego OR 97034
Advisors at this office
2
Most active in
California · New York · Oregon · Texas · Washington
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
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.
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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
Quick links
Advisors at this firm
David C
CFP®, Series 65
Lake Oswego, OR
Planful Finance LLC
David Case is a CFP®-designated financial advisor with two years of industry experience, currently with Planful Finance LLC in Lake Oswego, OR. Prior to joining Planful Finance in 2023, he worked for over two decades at Schmitt Industries, Inc. and had a retirement period from 2019 to 2023. Planful Finance LLC serves individual and high-net-worth clients through discretionary portfolio management and comprehensive financial planning. The firm employs a portfolio-driven investment approach based on Modern Portfolio Theory, using ETFs, mutual funds, and liquid REITs, with additional strategies such as ESG screens and covered-call options where appropriate.
Scott F
CFP®, Series 65
Lake Oswego, OR
Planful Finance LLC
Scott Frey is a CFP® with 14 years of experience in financial advising. He currently serves at Planful Finance LLC, where he has worked since 2022, and previously spent 11 years at Skyline Financial Northwest. Planful Finance LLC advises individual clients, including high-net-worth households, through discretionary portfolio management and comprehensive financial planning. The firm employs a portfolio-driven investment process tailored to client objectives, utilizing Modern Portfolio Theory and a range of ETFs, mutual funds, and liquid REITs, with additional strategies like ESG screening and covered-call options where appropriate.
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