{"url":"https://nivawealth.com/firms/planned-solutions-financial-and-insurance-services-105052","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/105052","regulatoryAum":670996783,"crd":"105052","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4134404","suffix":null,"lastName":"ARMER","firstName":"CHASE","middleName":"W"},{"crd":"4354559","suffix":null,"lastName":"DRUIVENGA","firstName":"SHANNON","middleName":"MICHAEL"},{"crd":"2308838","suffix":null,"lastName":"DUNNAM","firstName":"CATHERINE","middleName":"LOUISE"},{"crd":"1341534","suffix":null,"lastName":"MCINTYRE","firstName":"SCOTT","middleName":"FOSTER"},{"crd":"8337332","suffix":null,"lastName":"Osborne","firstName":"Carter","middleName":"Julian"},{"crd":"6030434","suffix":null,"lastName":"RANSFORD","firstName":"JOEL","middleName":"ROBERT"},{"crd":"5004221","suffix":null,"lastName":"WONG","firstName":"DARYL","middleName":"WILLIAM"},{"crd":"8336000","suffix":null,"lastName":"Young","firstName":"Matthew","middleName":"Giovanni"}],"total":8,"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":"2021-03-10","regulatoryAum":340823517,"clients":660,"employees":9,"offices":1},{"filedOn":"2022-02-23","regulatoryAum":423026607,"clients":716,"employees":9,"offices":1},{"filedOn":"2023-07-25","regulatoryAum":398484903,"clients":741,"employees":10,"offices":1},{"filedOn":"2024-03-26","regulatoryAum":468240700,"clients":754,"employees":10,"offices":1},{"filedOn":"2025-03-12","regulatoryAum":540020062,"clients":780,"employees":10,"offices":1},{"filedOn":"2026-04-02","regulatoryAum":670996783,"clients":827,"employees":11,"offices":1}],"secFileNumber":"801-33162","legalName":"Planned Solutions Financial & Insurance Services, Inc.","displayName":"Planned Solutions Financial & Insurance Services","slug":"planned-solutions-financial-and-insurance-services-105052","website":"https://plannedsolutions.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1988","organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"1130 Iron Point Road #170","city":"Folsom","state":"CA","stateName":"California","country":"United States","postalCode":"95630-8310"},"tradeNames":[],"registration":{"secApproved":"25 November 1988","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":811362.4945586458,"staff":{"employees":11,"advisory":6,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":670996783,"discretionary":662877103,"discretionaryAccounts":2275,"nonDiscretionary":8119680,"nonDiscretionaryAccounts":7,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":14},"clientTypes":[{"label":"Individuals (other than HNW)","clients":597,"regulatoryAum":137715712},{"label":"High-net-worth individuals","clients":230,"regulatoryAum":533281071}],"feePrograms":[{"role":"main","program":"Portfolio management fees","feeBasis":"marginal","fee_tiers":[{"to":250000,"pct":1.1,"from":0},{"to":500000,"pct":1.05,"from":250000},{"to":750000,"pct":1,"from":500000},{"to":1000000,"pct":0.95,"from":750000},{"to":2000000,"pct":0.85,"from":1000000},{"to":null,"pct":0.5,"from":2000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016783","versionId":1016783,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-10","documentName":"ADV PART 2A/B","fee_rate_low":0.5,"fee_rate_high":1.1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning fees","summary":"Financial planning is offered as a retainer (flat fee, typically one year) or hourly at $100 to $250 per hour, set per engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016783","versionId":1016783,"submittedOn":"2026-03-10","documentName":"ADV PART 2A/B"},{"role":"other","program":"Income tax preparation","summary":"Income tax preparation fees depend on return complexity and time required; 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Planned Solutions Financial & Insurance Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Planned Solutions Financial & Insurance Services charge?","answer":"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.","source":"ADV PART 2A/B, filed 10 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does Planned Solutions Financial & Insurance Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Planned Solutions Financial & Insurance Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Planned Solutions Financial & Insurance Services?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Planned Solutions Financial & Insurance Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Planned Solutions Financial & Insurance Services registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Planned Solutions Financial & Insurance Services?","answer":"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. 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