Investment Management & Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 1–10 clients last fiscal year.
Investment Management & Planning reports 511 clients. They include 314 high-net-worth individuals, 189 individual clients, and 6 pension and profit-sharing plans. Of its assets, 100.0% ($239M across 731 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $205M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 37% | 15% |
| High-net-worth individuals | 61% | 84% |
| Pension and profit-sharing plans | 1% | 1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 189 | $34.7M | 14.5% | $184K |
| High-net-worth individuals | 314 | $200M | 83.8% | $637K |
| Pension and profit-sharing plans | 6 | $3.25M | 1.4% | $542K |
| Corporations and other businesses | 2 | $751K | 0.3% | $376K |
| Total | 511 | $239M | 100% | $467K |
- Clients
- 189
- Regulatory AUM
- $34.7M
- AUM share
- 14.5%
- Avg. per client
- $184K
- Clients
- 314
- Regulatory AUM
- $200M
- AUM share
- 83.8%
- Avg. per client
- $637K
- Clients
- 6
- Regulatory AUM
- $3.25M
- AUM share
- 1.4%
- Avg. per client
- $542K
- Clients
- 2
- Regulatory AUM
- $751K
- AUM share
- 0.3%
- Avg. per client
- $376K
Total
- Clients
- 511
- Regulatory AUM
- $239M
- AUM share
- 100%
- Avg. per client
- $467K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Investment Management & Planning is paid through a percentage of assets under management and hourly charges. 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
- Financial planning and consulting
- Financial planning and consulting is billed at $250 an hour, negotiable based on complexity and the range of services.
- Retirement plan consulting
- Retirement plan consulting fees will not exceed 2% of plan assets under management, based on scope and complexity.
Howard Richardson owns 75% or more of Investment Management & Planning. The leadership team of Investment Management & Planning includes Chief Compliance Officer Howard Richardson. It has 3 employees.
Leadership
Howard RichardsonManaging Member / Chief Compliance Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 broker-dealer reps
- 3 insurance agents
- Owns 75% or more of Investment Management & Planning LLC
Howard Richardson
Control person · since January 2002
Investment Management & Planning’s regulatory assets grew from $167M (March 2021) to $239M (March 2026); clients rose from 327 to 511 and employees fell from 4 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $239M | 511 | 3 | 2 |
| Mar 2025March 2025 | $205M | 330 | 3 | 2 |
| Jan 2024January 2024 | $197M | 319 | 3 | 2 |
| Jan 2023January 2023 | $186M | 518 | 3 | 2 |
| Feb 2022February 2022 | $229M | 315 | 3 | 2 |
| Mar 2021March 2021 | $167M | 327 | 4 | 2 |
Besides its headquarters, Investment Management & Planning has 1 office, with 2 listed addresses across 2 states.
Delaware · 1 listed address
- 20 Montchanin Road, Suite 270, GreenvilleHQ
Florida · 1 listed address
- 6361 Presidential Court, Fort Myers
Contact and registration details
- Legal name
- Investment Management & Planning LLC
- Headquarters
- 20 Montchanin Road, Suite 270, Greenville, DE 19807
- Website
- imandp.com
- Phone
- 302-654-5449
- SEC file
- 801-107553
- Structure
- Delaware LLC
- Fiscal year end
- December
Investment Management & Planning’s named custodian for separately managed accounts is LPL Financial ($239M). Investment Management & Planning does not have custody of client assets.
- LPL FinancialLPL Financial LLC · Boston, MA · $239M100%
At year end, Investment Management & Planning’s separately managed accounts were mostly in funds (81%) and stocks (15%).
What the accounts hold
- Stocks15%
- Funds81%
- Bonds1%
- Cash3%
How many clients does Investment Management & Planning have?
Investment Management & Planning has 511 clients and manages $239 million for them, as of March 2026. They include 314 high-net-worth individuals, 189 individual clients, and 6 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026
What services does Investment Management & Planning offer?
Investment Management & Planning provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Investment Management & Planning use?
Investment Management & Planning’s separately managed account assets are held at LPL Financial LLC (Boston, MA), with $239M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026
How many financial advisors does Investment Management & Planning have?
Investment Management & Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 3 employees are registered representatives of a broker-dealer and 3 employees are 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 Investment Management & Planning invest in?
At the end of its last fiscal year, Investment Management & Planning’s separately managed accounts held 81% registered funds (mutual funds, ETFs, BDCs), 15% exchange-traded equities, 3% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Investment Management & Planning?
Investment Management & Planning’s direct owner is Howard Richardson (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 March 2026
How does Investment Management & Planning get paid?
Investment Management & Planning is paid through a percentage of assets under management and hourly charges. 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 Investment Management & Planning?
Investment Management & Planning’s main office is at 20 Montchanin Road, Suite 270, Greenville, DE 19807. Its phone number is 302-654-5449. Its website is imandp.com.