Planned Solutions Financial & Insurance Services provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, tax planning, and tax preparation. Financial planning was provided to 251–500 clients last fiscal year.
Planned Solutions Financial & Insurance Services reports 827 clients. They include 597 individual clients and 230 high-net-worth individuals. Of its assets, 98.8% ($663M across 2,275 accounts) are managed with discretion; $8.12M across 7 accounts are not. It advised 14 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 72% | 21% |
| High-net-worth individuals | 28% | 79% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 597 | $138M | 20.5% | $231K |
| High-net-worth individuals | 230 | $533M | 79.5% | $2.32M |
| Total | 827 | $671M | 100% | $811K |
- Clients
- 597
- Regulatory AUM
- $138M
- AUM share
- 20.5%
- Avg. per client
- $231K
- Clients
- 230
- Regulatory AUM
- $533M
- AUM share
- 79.5%
- Avg. per client
- $2.32M
Total
- Clients
- 827
- Regulatory AUM
- $671M
- AUM share
- 100%
- Avg. per client
- $811K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 14
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Planned Solutions Financial & Insurance Services charges 0.50%–1.10% a year for its Portfolio management fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.10% |
| $250K–$500K | 1.05% |
| $500K–$750K | 1.00% |
| $750K–$1M | 0.95% |
| $1M–$2M | 0.85% |
| $2M and above | 0.50% |
Fee details and sources
Other fees
- Financial planning fees
- Financial planning is offered as a retainer (flat fee, typically one year) or hourly at $100 to $250 per hour, set per engagement.
- Income tax preparation
- Income tax preparation fees depend on return complexity and time required; estimates are available on request.
Chase Armer owns 50% to 75% of Planned Solutions Financial & Insurance Services. The leadership team of Planned Solutions Financial & Insurance Services includes President Chase Armer and Chief Compliance Officer Catherine Dunnam. It has 11 employees, 6 of them in advisory roles.
Leadership
- Chase ArmerPresident
- Catherine DunnamChief Compliance
- Shannon DruivengaDirector of Client Services
- Joel RansfordFinancial Planner
- Daryl WongFinancial Planner
Investment adviser representatives
8 representatives listed in the SEC register as of 9 October 2026.
Staff
- 11 employees
- 6 in advisory functions
- 6 state-registered reps
- 2 insurance agents
- Owns 50% to 75% of Planned Solutions Financial & Insurance Services, Inc.
Chase Armer
Control person · since November 2013
- Owns 10% to 25% of Planned Solutions Financial & Insurance Services, Inc.
Daryl Wong
Control person · since January 2022
- Owns 5% to 10% of Planned Solutions Financial & Insurance Services, Inc.
Shannon Druivenga
Control person · since June 2016
- Owns 5% to 10% of Planned Solutions Financial & Insurance Services, Inc.
Joel Ransford
Control person · since June 2016
Planned Solutions Financial & Insurance Services’ regulatory assets grew 2.0× from $341M (March 2021) to $671M (April 2026); clients rose from 660 to 827 and employees from 9 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| April 2026 | $671M | 827 | 11 | 1 |
| March 2025 | $540M | 780 | 10 | 1 |
| March 2024 | $468M | 754 | 10 | 1 |
| July 2023 | $398M | 741 | 10 | 1 |
| February 2022 | $423M | 716 | 9 | 1 |
| March 2021 | $341M | 660 | 9 | 1 |
Besides its headquarters, Planned Solutions Financial & Insurance Services has 0 offices, with 1 listed address in California.
California · 1 listed address
- 1130 Iron Point Road #170, FolsomHQ
Contact and registration details
- Legal name
- Planned Solutions Financial & Insurance Services, Inc.
- Headquarters
- 1130 Iron Point Road #170, Folsom, CA 95630-8310
- Website
- plannedsolutions.com
- Phone
- 916-361-0100
- SEC file
- 801-33162
- Founded
- 1988
- Structure
- California corporation
- Fiscal year end
- December
Planned Solutions Financial & Insurance Services has custody of $251M in client assets for 550 clients.
At year end, Planned Solutions Financial & Insurance Services’ separately managed accounts were mostly in funds (56%) and stocks (37%). Its reported 13F holdings for the quarter ended 30 June 2026 total $349M across 155 positions; the largest are iShares Core S&P Total U.S. Stock Market ETF (11.2%), Schwab Fundamental U.S. Large Company ETF (9.2%) and Vaneck Morningstar Wide Moat ETF (8.6%).
What the accounts hold
- Stocks37%
- Funds56%
- Bonds1%
- Cash6%
Reported 13F holdings
- $349M
- Reported 13F value
- 155
- Positions
- 60.8%
- In the 10 largest
- +14.2%
- Value vs. prior quarter
- iShares Core S&P Total U.S. Stock Market ETFETF11.2%
- Schwab Fundamental U.S. Large Company ETFETF9.2%
- Vaneck Morningstar Wide Moat ETFETF8.6%
- JPMORGAN Income ETFETF7.2%
- iShares MSCI USA Quality Garp ETFETF5.7%
- iShares S&P 500 Growth ETFETF5.2%
- Invesco Qqq Trust Series IETF4.5%
- iShares Core MSCI Eafe ETFETF3.8%
- Avantis U.S. Small Cap Value ETFETF2.8%
- JP Morgan US Value Factor ETFETF2.4%
Together, the ten largest are 60.8% of reported value.
How many clients does Planned Solutions Financial & Insurance Services have?
Planned Solutions Financial & Insurance Services has 827 clients and manages $671 million for them, as of April 2026. They include 597 individual clients and 230 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 April 2026
What services does Planned Solutions Financial & Insurance Services offer?
Planned Solutions Financial & Insurance Services provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, tax planning, and tax preparation.
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 Solutions Financial & Insurance Services charge?
Planned Solutions Financial & Insurance Services charges 0.50%–1.10% a year for its Portfolio management fees. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.
How many financial advisors does Planned Solutions Financial & Insurance Services have?
Planned Solutions Financial & Insurance Services has 6 investment adviser representatives registered with state securities authorities, out of 11 employees, and 6 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 Planned Solutions Financial & Insurance Services invest in?
At the end of its last fiscal year, Planned Solutions Financial & Insurance Services’ separately managed accounts held 56% registered funds (mutual funds, ETFs, BDCs), 37% exchange-traded equities, 6% 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 Planned Solutions Financial & Insurance Services?
Planned Solutions Financial & Insurance Services’ direct owners are Chase Armer (50% to 75%), Shannon Druivenga (5% to 10%), Joel Ransford (5% to 10%) and Daryl Wong (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 2 April 2026
How does Planned Solutions Financial & Insurance Services get paid?
Planned Solutions Financial & Insurance Services 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
Is Planned Solutions Financial & Insurance Services registered with the SEC?
Yes, Planned Solutions Financial & Insurance Services has been registered with the SEC as an investment adviser since 25 November 1988. Its CRD number is 105052 and its SEC file number is 801-33162.
Source: Form ADV Part 1A, Item 1, filed 2 April 2026; IAPD firm record
How do I contact Planned Solutions Financial & Insurance Services?
Planned Solutions Financial & Insurance Services’ main office is at 1130 Iron Point Road #170, Folsom, CA 95630-8310. Its phone number is 916-361-0100. Its website is plannedsolutions.com.