Planning Alternatives Ltd
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$1,481,684,005
Clients
669
Advisors
10
across 4 offices
About
Planning Alternatives Ltd. provides wealth management, financial planning and investment management to a mix of individual clients (including high-net-worth individuals), qualified retirement plans, trusts, charitable institutions, foundations and business entities. The firm also offers Family Office services under a separate agreement and provides ongoing advisory oversight and consulting alongside portfolio management.
The firm’s investment approach is grounded in Modern Portfolio Theory, implementing globally diversified, risk‑based portfolios across equities, fixed income and alternative strategies using mutual funds, ETFs, ETNs and individual securities while emphasizing low‑cost solutions. Research combines fundamental and technical analysis, and an Investment Committee meets regularly to review allocations and execute aggregated trades consistent with client investment policy statements.
Distinctive aspects include serving as an ERISA fiduciary and acting as a Section 3(38) investment manager for qualified retirement plans, which transfers discretionary investment‑selection responsibility to the firm. Planning Alternatives also discloses all‑inclusive advisory billing for combined planning and management services, offers Family Office coordination with a retainer structure, and does not vote client proxies (custodians send proxy materials directly to clients).
Client services
Expertise
Fee options
Family Office Services include a quarterly Retainer and Advisory Fee with tiered rates similar to Wealth Management fees.
$0 - $2,000,000: 0.95% $2,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% $10,000,001 - $25,000,000: 0.35% $25,000,001 - $50,000,000: 0.25% $50,000,001+: 0.20%
Hourly charges are reported in SEC Part 1, but specific rates not disclosed in brochure.
Minimum fee: $5,000 minimum annual fee under Wealth Management Fee Schedule Fee-only: Investment management and advisory services charged via fee schedule; no commissions or trailing fees.
Main office
See office255 South Old Woodward Ave., Suite 310
Birmingham MI 48009-6615
Advisors at this office
6
Offices (4)
Most active in
Arizona · California · Colorado · Florida · Georgia · Illinois · Massachusetts · Michigan · Nebraska · New Hampshire · North Carolina · Ohio · Oregon · Texas · Virginia · Washington · Wyoming
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.
Quick links
Advisors at this firm
Gary R
CFP®, CLU®
Huntington Woods, MI
Planning Alternatives Ltd
Kent G
CFP®, Series 65
Birmingham, MI
Planning Alternatives Ltd
Kent Golightly is a CFP® professional with seven years of industry experience, currently serving as an advisor at Planning Alternatives Ltd in Birmingham, MI. Before joining Planning Alternatives Ltd, he worked at BDO USA, LLP for four years. Planning Alternatives Ltd offers wealth management, financial planning, and investment management services to individuals, retirement plans, trusts, charitable institutions, and business entities. The firm employs a Modern Portfolio Theory-based approach using diversified, risk-based portfolios and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.
Stacey G
Series 63, Series 65
Birmingham, MI
Planning Alternatives Ltd
Stacey Gomez is a financial advisor at Planning Alternatives Ltd with 16 years of industry experience. She holds her Series 63 and Series 65 designations and has been with Planning Alternatives Ltd since 2009. Planning Alternatives Ltd provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a globally diversified, risk-based investment approach grounded in Modern Portfolio Theory and offers Family Office services along with fiduciary and Section 3(38) investment management for qualified retirement plans.
Thomas G
CFP®, Series 63, Series 65
Birmingham, MI
Planning Alternatives Ltd
Thomas Graney is a CFP® professional with 35 years of industry experience. He currently works at Planning Alternatives Ltd, where he has been since 2022, following over three decades at Fidelity, including roles with Fidelity Brokerage Services and Fidelity Personal and Workplace Advisors. Planning Alternatives Ltd provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified portfolios and offers Family Office services and ongoing advisory oversight.
Bradley I
CFP®
Jackson, WY
Planning Alternatives Ltd
Bradley Improta is a CFP® affiliated with Planning Alternatives Ltd and has been in the financial industry since 2024. Prior to joining the firm, he worked at StreetAccount (FactSet) and Two Ocean Builders. He is based in Jackson, WY. Planning Alternatives Ltd. offers wealth management, financial planning, and investment management services to individuals, retirement plans, trusts, charitable institutions, foundations, and businesses. The firm employs a Modern Portfolio Theory approach with diversified, risk-based portfolios and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.
Heather F
CFP®, Series 65, Series 66
Jackson, WY
Planning Alternatives Ltd
Heather Fulton is a CFP® with eight years of industry experience, currently serving as a financial advisor at Planning Alternatives Ltd. Her prior roles include positions at Wells Fargo Clearing, US Bank, and Fisher Investments. Planning Alternatives Ltd. offers wealth management, financial planning, and investment management services to individuals, retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified, risk-based portfolios and provides Family Office services and fiduciary management for qualified retirement plans.
David T
CFA®
Birmingham, MI
Planning Alternatives Ltd
David Tutak is a CFA® charterholder with Planning Alternatives Ltd in Birmingham, MI. He has worked in the financial services industry since 2016, including roles at Wells Fargo Advisors and Northwestern Mutual. Tutak has been with Planning Alternatives Ltd since 2019, contributing to the firm’s team of 10 advisors. Planning Alternatives Ltd provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm employs a Modern Portfolio Theory-based approach to build globally diversified, risk-based portfolios and offers specialized services such as ERISA fiduciary oversight, Section 3(38) investment management, and Family Office coordination.
Nathan M
CFP®, Series 63
Birmingham, MI
Planning Alternatives Ltd
Nathan Mersereau is a CFP® and holds a Series 63 license with 19 years of industry experience. He has worked at Planning Alternatives Ltd. for multiple years since 2009, with an interlude at Wealthcare Advisors, LLC from 2011 to 2018. Planning Alternatives Ltd. provides wealth management, financial planning, and investment management services to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and businesses. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-based portfolios and serves as an ERISA fiduciary and Section 3(38) investment manager for retirement plans.
Timothy H
CFA®, Series 63
Birmingham, MI
Planning Alternatives Ltd
Timothy Hanna is a CFA® charterholder with one year of experience in the financial industry. He currently serves as an advisor at Planning Alternatives Ltd and previously worked at Flexible Plan Investments for 11 years. Planning Alternatives Ltd. provides wealth management, financial planning, and investment management to a diverse client base, including high-net-worth individuals, qualified retirement plans, trusts, and charitable institutions. The firm employs a risk-based investment approach grounded in Modern Portfolio Theory and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.
Tracey L
Series 63, Series 65, Series 66
Naples, FL
Planning Alternatives Ltd
Tracey Labrecque is a financial advisor at Planning Alternatives Ltd with 24 years of industry experience. She holds Series 63, 65, and 66 licenses and has worked previously at Fidelity Personal and Workplace Advisors and Fidelity Brokerage Services. Planning Alternatives Ltd. provides wealth management, financial planning, and investment management to individuals, qualified retirement plans, trusts, charitable institutions, foundations, and business entities. The firm uses a Modern Portfolio Theory–based approach with diversified, risk-based portfolios and serves as an ERISA fiduciary and Section 3(38) investment manager for qualified retirement plans.
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