Incline Village, NV Office

Vita Planning Group works with participant-directed retirement plans and individual clients, providing retirement-plan advisory and consulting, discretionary 3(38) investment management, nondiscretionary 3(21) consulting, tailored asset management, and financial planning. The firm serves both ERISA-covered defined contribution plans and non-ERISA plans, and also manages individual accounts under its tailored asset management program.

The firm develops investment policy statements, evaluates participant population risk, and selects from a broad universe of investment options — including mutual funds, collective trusts, stable value funds and ETFs — with an emphasis on asset allocation and diversification. For plan clients Vita provides ongoing monitoring and reporting (including periodic plan scoring and rebalancing), and generally does not recommend frequent short-term trading.

Compared with many peers, Vita Planning Group maintains multiple branch offices despite a relatively small advisor team and client count, and is affiliated through common ownership with an insurance brokerage that shares staff with the adviser. The firm discloses that some advisory personnel are licensed to sell insurance and that owners are active in insurance activities, while describing salary-based compensation and policies intended to address conflicts when insurance products are recommended; it also offers limited sponsor-supported programs for certain nonprofit clients.