Planned Financial Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, divorce planning, education planning, estate planning, family office services, insurance, philanthropic planning, and tax planning. Financial planning was provided to 11–25 clients last fiscal year.
Planned Financial Services reports 284 clients. They include 167 individual clients, 88 high-net-worth individuals, and 29 pension and profit-sharing plans. Of its assets, 87.4% ($413M across 805 accounts) are managed with discretion; $59.7M across 29 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 59% | 15% |
| High-net-worth individuals | 31% | 73% |
| Pension and profit-sharing plans | 10% | 13% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 167 | $70.1M | 14.8% | $420K |
| High-net-worth individuals | 88 | $343M | 72.5% | $3.89M |
| Pension and profit-sharing plans | 29 | $59.7M | 12.6% | $2.06M |
| Total | 284 | $473M | 100% | $1.66M |
- Clients
- 167
- Regulatory AUM
- $70.1M
- AUM share
- 14.8%
- Avg. per client
- $420K
- Clients
- 88
- Regulatory AUM
- $343M
- AUM share
- 72.5%
- Avg. per client
- $3.89M
- Clients
- 29
- Regulatory AUM
- $59.7M
- AUM share
- 12.6%
- Avg. per client
- $2.06M
Total
- Clients
- 284
- Regulatory AUM
- $473M
- AUM share
- 100%
- Avg. per client
- $1.66M
- 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
- 11–25
Planned Financial Services charges 0.45%–1.50% for its Investment Management. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- Customized Strategy Planning
- The planning advisory fee for customized strategies generally ranges from $1,100 to $1,750, reflecting the $325 hourly rate.
- Financial Planning
- Financial planning is generally a fixed fee of $1,500 to $10,000 for individuals, or a retainer of $5,000 to $20,000 a year billed quarterly in advance.
- Hourly Consulting
- Hourly consulting and ongoing planning updates are billed at $325 per hour, subject to change on notice to the client.
- Tax Preparation
- Tax preparation is billed as a fixed fee or at $325 per hour, with a minimum fixed fee of $400.
Frank Fantozzi owns 75% or more of Planned Financial Services. The leadership team of Planned Financial Services includes President Frank Fantozzi and Chief Operating Officer Joseph Rogers. It has 13 employees, 5 of them in advisory roles.
Leadership
Frank FantozziPresident, Chief Compliance Officer- Joseph RogersChief Operating Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 13 employees
- 5 in advisory functions
- 5 state-registered reps
- 5 broker-dealer reps
- 5 insurance agents
- Owns 75% or more of Planned Financial Services, LLC
Frank Fantozzi
Control person · since January 1994
Planned Financial Services’ regulatory assets grew 1.6× from $300M (March 2021) to $473M (February 2026); clients fell from 301 to 284 and employees rose from 11 to 13.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Feb 2026February 2026 | $473M | 284 | 13 | 1 |
| Mar 2025March 2025 | $392M | 286 | 12 | 1 |
| Mar 2024March 2024 | $368M | 286 | 11 | 1 |
| Mar 2023March 2023 | $352M | 306 | 11 | 1 |
| May 2022May 2022 | $384M | 320 | 9 | 2 |
| Mar 2021March 2021 | $300M | 301 | 11 | 2 |
Besides its headquarters, Planned Financial Services has 0 offices, with 1 listed address in 1 state.
Ohio · 1 listed address
- 7000 Fitzwater Road, Suite 300, ClevelandHQ
Other business names
Planned Financial Services has reported 1 other business name to the SEC.
- Return on Life Wealth Partners
Contact and registration details
- Legal name
- Planned Financial Services, LLC
- Headquarters
- 7000 Fitzwater Road, Suite 300, Cleveland, OH 44141
- Website
- returnonlifewealth.com
- Phone
- 440-740-0130
- @return-on-life-wealth
- SEC file
- 801-110086
- Structure
- Ohio LLC
- Fiscal year end
- December
Planned Financial Services does not have custody of client assets.
At year end, Planned Financial Services’ separately managed accounts were mostly in funds (83%) and stocks (10%).
What the accounts hold
- Stocks10%
- Funds83%
- Registered funds82%
- Pooled vehicles1%
- Bonds3%
- Cash3%
- Other1%
- Other including less than 1 percent of us govt./agency bonds, us state and local bonds, investment grade corporates1%
How many clients does Planned Financial Services have?
Planned Financial Services has 284 clients and manages $473 million for them, as of February 2026. They include 167 individual clients, 88 high-net-worth individuals, and 29 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 February 2026
What services does Planned Financial Services offer?
Planned Financial Services provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, divorce planning, education planning, estate planning, family office services, insurance, philanthropic planning, 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
How much does Planned Financial Services charge?
Planned Financial Services charges 0.45%–1.50% for its Investment Management. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable.
How many financial advisors does Planned Financial Services have?
Planned Financial Services has 5 investment adviser representatives registered with state securities authorities, out of 13 employees, and 5 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 5 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 Planned Financial Services invest in?
At the end of its last fiscal year, Planned Financial Services’ separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 3% high-yield corporate bonds, 3% cash and equivalents, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: Other Including Less Than 1 Percent of US Govt./Agency Bonds, US State and Local Bonds, Investment Grade Corporates.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Planned Financial Services?
Planned Financial Services’ direct owner is Frank Fantozzi (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 February 2026
How does Planned Financial Services get paid?
Planned Financial Services is paid through a percentage of assets under management, hourly charges, subscription fees 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 Planned Financial Services?
Planned Financial Services’ main office is at 7000 Fitzwater Road, Suite 300, Cleveland, OH 44141. Its phone number is 440-740-0130. Its website is returnonlifewealth.com.