Strategic Planning Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Strategic Planning Associates provides financial planning and discretionary, non-wrap portfolio management to individuals, retirement plans, trusts, estates, charitable organizations and business clients. Services described in the brochure include holistic or modular financial planning, hourly consulting, and management of portfolios holding equities, ETFs, mutual funds, corporate and municipal debt, certificates of deposit and other securities.
The firm says it constructs asset-allocation models tailored to each client’s goals, risk tolerance and time horizon and implements those models on a discretionary basis while allowing clients to impose written restrictions. Accounts are custodied through Charles Schwab Institutional, reviewed at least annually (or sooner when circumstances change), and clients receive custodial statements directly while the adviser monitors performance and suitability.
A distinctive feature noted in the brochure is that the principal and associates are licensed insurance agents and may offer commissionable life, health, disability, long-term care and fixed-annuity products; the firm discloses affiliations with insurance marketing organizations and the potential conflicts that dual compensation can create. The brochure also highlights the principal’s long tenure in investment advice (since 1975) and the firm’s small-scale, relationship-focused practice as part of its service model.
Client services
Expertise
Fee options
Fixed fees for financial planning services as agreed in financial planning agreement.
$0 - $2,000,000: 1.5% $2,000,001 - $5,000,000: 1.0% Over $5,000,000+: Negotiable
Commissions earned from insurance products sales by licensed associates.
Hourly fees for financial planning and consulting services.
Account minimum: $25,000 Fee-only: Fixed or hourly fees for financial planning services; fees negotiable on a case-by-case basis.
Main office
Granby MA
Advisors at this office
1
Most active in
Massachusetts
Also doing business as
Desjardins, Pamela Marie · Pamela M. Desjardins, Financial Consultant · Pamela Marie Desjardins · Strategic Planning Associates
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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