{"url":"https://nivawealth.com/firms/planned-financial-services-112879","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/112879","regulatoryAum":472512140,"crd":"112879","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2441945","suffix":null,"lastName":"FANTOZZI","firstName":"FRANK","middleName":null},{"crd":"5630242","suffix":null,"lastName":"Hussey","firstName":"CHELSEA","middleName":"Coleman"},{"crd":"7332229","suffix":null,"lastName":"LECHARD","firstName":"DANIELLE","middleName":"KATHLEEN"},{"crd":"6017690","suffix":null,"lastName":"YANG","firstName":"YUANYUAN","middleName":null}],"total":4,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-31","regulatoryAum":299534345,"clients":301,"employees":11,"offices":2},{"filedOn":"2022-05-08","regulatoryAum":383614887,"clients":320,"employees":9,"offices":2},{"filedOn":"2023-03-31","regulatoryAum":352374986,"clients":306,"employees":11,"offices":1},{"filedOn":"2024-03-28","regulatoryAum":368213298,"clients":286,"employees":11,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":392229187,"clients":286,"employees":12,"offices":1},{"filedOn":"2026-02-25","regulatoryAum":472512140,"clients":284,"employees":13,"offices":1}],"secFileNumber":"801-110086","legalName":"Planned Financial Services, LLC","displayName":"Planned Financial Services","slug":"planned-financial-services-112879","website":"https://returnonlifewealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/return-on-life-wealth","founded":null,"organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"7000 Fitzwater Road, Suite 300","city":"Cleveland","state":"OH","stateName":"Ohio","country":"United States","postalCode":"44141"},"tradeNames":["Return on Life Wealth Partners"],"registration":{"secApproved":"14 March 2017","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1618776.4,"staff":{"employees":13,"advisory":5,"brokerDealerReps":5,"insuranceAgents":5,"promoters":0},"aum":{"regulatory":472512140,"discretionary":412787982,"discretionaryAccounts":805,"nonDiscretionary":59724158,"nonDiscretionaryAccounts":29,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":167,"regulatoryAum":70146854},{"label":"High-net-worth individuals","clients":88,"regulatoryAum":342641128},{"label":"Pension and profit-sharing plans","clients":29,"regulatoryAum":59724158}],"feePrograms":[{"role":"main","program":"Investment Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012096","versionId":1012096,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-02-25","documentName":"ADV PART 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and ongoing planning updates are billed at $325 per hour, subject to change on notice to the client.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012096","versionId":1012096,"submittedOn":"2026-02-25","documentName":"ADV PART 2A"},{"role":"other","program":"Tax Preparation","summary":"Tax preparation is billed as a fixed fee or at $325 per hour, with a minimum fixed fee of $400.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012096","versionId":1012096,"submittedOn":"2026-02-25","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:31:27.249674+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012096","versionId":1012096,"submittedOn":"2026-02-25"}]},"custodians":[],"custodyNote":"Planned Financial Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Frank Fantozzi","title":"President, Chief Compliance Officer","crd":"2441945"},{"name":"Joseph Rogers","title":"Chief Operating Officer","crd":"7192409"}],"ownership":[{"label":"Frank Fantozzi","detail":"President, chief compliance officer in the 75% or more ownership band and a control person, since January 1994."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"7000 Fitzwater Road, Suite 300","city":"Cleveland","headquarters":true}]}],"brochureServices":["business succession planning","divorce planning","education planning","estate planning","family office services","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"440-740-0130","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Subscription fees","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"Non-investment grade corporate bonds","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":82},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":3},{"label":"Other","percent":1,"detail":"Other Including Less Than 1 Percent of US Govt./Agency Bonds, US State and Local Bonds, Investment Grade Corporates"}],"privateFunds":0},"sources":{"adv1FilingDate":"25 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/112879/PDF/112879.pdf","brochureDate":"25 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012096","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Planned Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Planned Financial Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Planned Financial Services charge?","answer":"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.","source":"ADV PART 2A, filed 25 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does Planned Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Planned Financial Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Planned Financial Services?","answer":"Planned Financial Services’ direct owner is Frank Fantozzi (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Planned Financial Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Planned Financial Services?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}