Under Par Planning LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Under Par Planning LLC is a state-registered advisory firm that serves individuals, high-net-worth clients, retirement plan sponsors, and small business owners. The two-advisor firm manages approximately $33 million for about 75 clients and provides ongoing comprehensive financial planning with discretionary investment management, limited-term planning engagements, hourly planning, and retirement plan consulting.
The firm emphasizes a long-term, strategic asset-allocation approach, typically constructing diversified portfolios using ETFs, mutual funds, and individual securities when appropriate, and it applies tax-aware implementation such as asset location, tax-loss harvesting, and direct indexing or third‑party managed strategies when suitable. Portfolios are managed on a discretionary basis with ongoing monitoring, periodic rebalancing, and coordination with other professional advisors as needed.
Noteworthy distinctions include a focus on retirement-plan services that encompass participant education and the potential delivery of seminars or workshops for plan sponsors and participants, a service offering that is less common among similar firms. UPP also discloses the use of custodial platforms that provide operational and technology support — including participation in a technology reimbursement program and absorption of certain platform charges — and describes how it evaluates those economic benefits when recommending custodians.
Client services
Expertise
Occupation focus
Fee options
$3,600 total flat fee for limited-term financial planning engagements; retirement plan consulting may also include fixed project amounts
$0 - $500,000: Flat $6,000 fee $500,001 - $2,000,000: 0.75% of assets $2,000,001+: 0.50% of assets
$250 per hour for hourly financial planning; $250 per hour for retirement plan consulting
Account minimum: $6,000 minimum for ongoing financial planning + discretionary investment management service; no minimum account size required to become a client Minimum fee: $6,000 minimum annual fee for ongoing financial planning + discretionary investment management Fee-only: Fee-only advisory firm; does not receive commissions or other third-party compensation
Main office
Buffalo NY
Advisors at this office
2
Most active in
New York
Also doing business as
Complete Wealth · Complete Wealth LLC · Under Par Planning LLC
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
Joseph C
Series 63, Series 65
Buffalo, NY
Under Par Planning LLC
Joseph Chappius is a financial advisor at Under Par Planning LLC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Northwestern Mutual and its affiliated companies for nearly a decade before joining Under Par Planning in 2020. Under Par Planning LLC provides financial planning, investment management, retirement plan consulting, and tax preparation services for individuals and high-net-worth clients. The firm emphasizes long-term, broadly diversified asset allocation using low-cost mutual funds and ETFs, offering tiered planning memberships and continuous portfolio management tailored to client needs.
Jeffrey W
CFP®, ChFC®, Series 63, Series 65
Buffalo, NY
Under Par Planning LLC
Jeffrey Wolniewicz is a CFP® and ChFC® with 12 years of experience in financial advising. He is currently with Under Par Planning LLC, where he has worked since 2020. Prior to that, he spent nearly a decade at Northwestern Mutual in various capacities, including wealth management and investment management. Under Par Planning LLC is a state-registered advisory firm serving individuals, high-net-worth clients, retirement plan sponsors, and small business owners. The firm manages approximately $33 million and offers comprehensive financial planning, discretionary investment management, and retirement plan consulting, using a long-term, strategic asset-allocation approach with tax-aware implementation.
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