Compass Planning Associates provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning. Financial planning was provided to 500 clients last fiscal year.
Compass Planning Associates reports 72 clients. They include 66 high-net-worth individuals and 6 individual clients. Of its assets, 92.0% ($197M across 317 accounts) are managed with discretion; $17.1M across 16 accounts are not. It advised 495 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 8% | 2% |
| High-net-worth individuals | 92% | 98% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 6 | $4.94M | 2.3% | $823K |
| High-net-worth individuals | 66 | $209M | 97.7% | $3.17M |
| Total | 72 | $214M | 100% | $2.97M |
- Clients
- 6
- Regulatory AUM
- $4.94M
- AUM share
- 2.3%
- Avg. per client
- $823K
- Clients
- 66
- Regulatory AUM
- $209M
- AUM share
- 97.7%
- Avg. per client
- $3.17M
Total
- Clients
- 72
- Regulatory AUM
- $214M
- AUM share
- 100%
- Avg. per client
- $2.97M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 495
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 500
Compass Planning Associates is paid through hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Planning by the Year
- A flat annual fee for planning and portfolio recommendation services, from $8,000 to $25,000 depending on complexity, billed quarterly in arrears.
- Project and hourly planning
- Project fees are hourly: Principal $420, Senior Adviser $405, Adviser $310 and Planning Support $260 per hour.
Jennifer Lane owns 75% or more of Compass Planning Associates. The leadership team of Compass Planning Associates includes President Jennifer Lane. It has 3 employees.
Leadership
Jennifer LanePresident / CCO
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 75% or more of Compass Planning Associates, Inc.
Jennifer Lane
Control person · since January 2005
Compass Planning Associates’ regulatory assets grew 1.5× from $139M (March 2024) to $214M (February 2026); clients rose from 62 to 72 and employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $214M | 72 | 3 | 3 |
| February 2025 | $200M | 73 | 3 | 3 |
| March 2024 | $139M | 62 | 4 | 4 |
Besides its headquarters, Compass Planning Associates has 2 offices (2 private residences, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Compass Planning Associates, Inc.
- Headquarters
- Not reported
- Website
- compassplanning.com
- Phone
- 617-523-4666
- SEC file
- 801-129110
- Founded
- 1996
- Structure
- Massachusetts corporation
- Fiscal year end
- December
Compass Planning Associates uses Fidelity ($192M) as custodian for its separately managed accounts. Compass Planning Associates does not have custody of client assets.
- FidelityNational Financial Services LLC · Boston, MA · $192M100%
At year end, Compass Planning Associates’ separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 30 June 2026 total $185M across 33 positions; the largest are Vanguard BD Index Fds (19.5%), Vanguard BD Index Fds (16.2%) and Vanguard Index Fds (12.1%).
What the accounts hold
- Stocks1%
- Funds90%
- Bonds7%
- Cash1%
- Other1%
- Tiaa variable contracts1%
Reported 13F holdings
- $185M
- Reported 13F value
- 33
- Positions
- 91.3%
- In the 10 largest
- +18.3%
- Value vs. prior quarter
- Vanguard BD Index Fds · Short Trm Bond19.5%
- Vanguard BD Index Fds · Intermed Term16.2%
- Vanguard Index Fds · Value ETF12.1%
- State Str SPDR S&P 500 ETF T · TR Unit11.2%
- Vanguard Scottsdale Fds · Short Term Treas10.4%
- Vanguard Intl Equity Index F · Allwrld EX US8.7%
- Vanguard World FD · Mega Cap Val ETF4.9%
- Vanguard Index Fds · Growth ETF3.9%
- Vanguard Index Fds · Small CP ETF2.4%
- Vanguard Index Fds · Total Stk Mkt2.0%
Together, the ten largest are 91.3% of reported value.
How many clients does Compass Planning Associates have?
Compass Planning Associates has 72 clients and manages $214 million for them, as of February 2026. They include 66 high-net-worth individuals and 6 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 18 February 2026
What services does Compass Planning Associates offer?
Compass Planning Associates provides financial planning, portfolio management for individuals and small businesses, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Compass Planning Associates use?
Compass Planning Associates’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $192M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 February 2026
How many financial advisors does Compass Planning Associates have?
Compass Planning Associates has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Compass Planning Associates invest in?
At the end of its last fiscal year, Compass Planning Associates’ separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 7% U.S. government and agency bonds, 1% exchange-traded equities, 1% cash and equivalents and 1% other. The 1% other category is described as: Tiaa Variable Contracts.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Compass Planning Associates?
Compass Planning Associates’ direct owner is Jennifer Lane (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 18 February 2026
How does Compass Planning Associates get paid?
Compass Planning Associates is paid through hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Compass Planning Associates?
Its phone number is 617-523-4666. Its website is compassplanning.com.