Investments & Financial Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars. Financial planning was provided to 51–100 clients last fiscal year.
Investments & Financial Planning reports 751 clients. They include 696 individual clients, 54 high-net-worth individuals and 1 charitable organization. Of its assets, 100.0% ($319M across 1,780 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $303M. It advised 15 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 93% | 74% |
| High-net-worth individuals | 7% | 26% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 696 | $236M | 74.1% | $339K |
| High-net-worth individuals | 54 | $81.6M | 25.6% | $1.51M |
| Charitable organizations | Fewer than 5 | $892K | 0.3% | $892K |
| Total | 751 | $319M | 100% | — |
- Clients
- 696
- Regulatory AUM
- $236M
- AUM share
- 74.1%
- Avg. per client
- $339K
- Clients
- 54
- Regulatory AUM
- $81.6M
- AUM share
- 25.6%
- Avg. per client
- $1.51M
- Clients
- Fewer than 5
- Regulatory AUM
- $892K
- AUM share
- 0.3%
- Avg. per client
- $892K
Total
- Clients
- 751
- Regulatory AUM
- $319M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 15
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Investments & Financial Planning charges up to 1.00% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning Services
- Fixed fees range from $1,000 to $5,000 or hourly rates from $150 to $500, negotiable depending on the scope of the plan.
David Short owns 50% to 75% of Investments & Financial Planning. The leadership team of Investments & Financial Planning includes Chief Compliance Officer David Short. It has 6 employees, 2 of them in advisory roles.
Staff
- 6 employees
- 2 in advisory functions
- 2 state-registered reps
- 2 insurance agents
- Owns 50% to 75% of Investments & Financial Planning, LLC
David Short
Control person · since January 2012
- Owns 50% to 75% of Investments & Financial Planning, LLC
James Mullins
since January 2012
Investments & Financial Planning’s regulatory assets grew 2.0× from $159M (July 2021) to $319M (February 2026); clients rose from 456 to 751 and employees were 6 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Feb 2026February 2026 | $319M | 751 | 6 | 2 |
| Feb 2025February 2025 | $278M | 735 | 6 | 2 |
| May 2024May 2024 | $241M | 730 | 5 | 2 |
| Jul 2023July 2023 | $198M | 686 | 5 | 2 |
| Mar 2022March 2022 | $223M | 625 | 5 | 2 |
| Jul 2021July 2021 | $159M | 456 | 6 | 2 |
Besides its headquarters, Investments & Financial Planning has 1 office, with 2 listed addresses in 1 state.
Kentucky · 2 listed addresses
- 1795 Alysheba Way, Suite 7104, LexingtonHQ
- 1795 Alysheba Way, Lexington
Contact and registration details
- Legal name
- Investments & Financial Planning, LLC
- Headquarters
- 1795 Alysheba Way, Suite 7104, Lexington, KY 40509
- Website
- investfp.com
- Phone
- 859-543-8188
- SEC file
- 801-119021
- Structure
- Kentucky LLC
- Fiscal year end
- December
Investments & Financial Planning’s named custodian for separately managed accounts is Charles Schwab ($302M). Investments & Financial Planning does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $302M100%
At year end, Investments & Financial Planning’s separately managed accounts were mostly in stocks (60%) and funds (38%). Its reported 13F holdings for the quarter ended 30 June 2026 total $211M across 40 positions; the largest are Vanguard Index Fds (21.5%), SPDR Series Trust (20.8%) and iShares TR (14.9%).
What the accounts hold
- Stocks60%
- Funds38%
- Cash2%
How many clients does Investments & Financial Planning have?
Investments & Financial Planning has 751 clients and manages $319 million for them, as of February 2026. They include 696 individual clients, 54 high-net-worth individuals and 1 charitable organization.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 February 2026
What services does Investments & Financial Planning offer?
Investments & Financial Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Investments & Financial Planning charge?
Investments & Financial Planning charges up to 1.00% a year for its Portfolio Management Services. The fee is billed in arrears and is negotiable.
Source: INVESTMENTS & FINANCIAL PLANNING, LLC ADV BROCHURE, filed 27 February 2026
Which custodians does Investments & Financial Planning use?
Investments & Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $302M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 February 2026
How many financial advisors does Investments & Financial Planning have?
Investments & Financial Planning has 2 investment adviser representatives registered with state securities authorities, out of 6 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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 Investments & Financial Planning invest in?
At the end of its last fiscal year, Investments & Financial Planning’s separately managed accounts held 60% exchange-traded equities, 38% registered funds (mutual funds, ETFs, BDCs) and 2% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Investments & Financial Planning?
Investments & Financial Planning’s direct owners are David Short (50% to 75%) and James Mullins (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 27 February 2026
How does Investments & Financial Planning get paid?
Investments & Financial Planning is paid through a percentage of assets under management, 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 Investments & Financial Planning?
Investments & Financial Planning’s main office is at 1795 Alysheba Way, Suite 7104, Lexington, KY 40509. Its phone number is 859-543-8188. Its website is investfp.com.