Planning Strategies provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting. Financial planning was provided to 251–500 clients last fiscal year.
Planning Strategies reports 514 clients. They include 409 individual clients, 94 high-net-worth individuals, and 7 corporations and other businesses. Of its assets, 99.4% ($383M across 1,407 accounts) are managed with discretion; $2.12M across 7 accounts are not. A wrap fee program the firm both sponsors and manages holds $254M. Of its clients, 1% are outside the U.S. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 80% | 38% |
| High-net-worth individuals | 18% | 60% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | 1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 409 | $146M | 38.0% | $358K |
| High-net-worth individuals | 94 | $230M | 59.7% | $2.44M |
| Charitable organizations | Fewer than 5 | $2.48M | 0.6% | $620K |
| Corporations and other businesses | 7 | $6.19M | 1.6% | $884K |
| Total | 514 | $385M | 100% | — |
- Clients
- 409
- Regulatory AUM
- $146M
- AUM share
- 38.0%
- Avg. per client
- $358K
- Clients
- 94
- Regulatory AUM
- $230M
- AUM share
- 59.7%
- Avg. per client
- $2.44M
- Clients
- Fewer than 5
- Regulatory AUM
- $2.48M
- AUM share
- 0.6%
- Avg. per client
- $620K
- Clients
- 7
- Regulatory AUM
- $6.19M
- AUM share
- 1.6%
- Avg. per client
- $884K
Total
- Clients
- 514
- Regulatory AUM
- $385M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Planning Strategies charges 0.75%–1.25% a year for its Investment Management Fee. The fee is billed in advance or in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Financial planning and consulting fees are generally $1,000 to $2,500 fixed, or up to $400 an hour; they are negotiable.
Scott Smith owns 25% to 50% of Planning Strategies. It has 11 employees, 7 of them in advisory roles.
Staff
- 11 employees
- 7 in advisory functions
- 11 state-registered reps
- 1 soliciting firm
- Owns 25% to 50% of Planning Strategies, Inc.
Scott Smith
Control person · since October 2001
- Owns 25% to 50% of Planning Strategies, Inc.
Gregory Staub
Control person · since June 2018
- Owns 10% to 25% of Planning Strategies, Inc.
Matthew Staub
Control person · since January 2019
- Owns 10% to 25% of Planning Strategies, Inc.
Vanessa Zook
Control person · since January 2022
Planning Strategies’ regulatory assets grew 1.7× from $223M (March 2021) to $385M (March 2026); clients fell from 630 to 514 and employees from 12 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $385M | 514 | 11 | 4 |
| Mar 2025March 2025 | $348M | 711 | 8 | 4 |
| Mar 2024March 2024 | $287M | 736 | 10 | 6 |
| Mar 2023March 2023 | $243M | 691 | 12 | 6 |
| Mar 2022March 2022 | $262M | 665 | 13 | 6 |
| Mar 2021March 2021 | $223M | 630 | 12 | 6 |
Besides its headquarters, Planning Strategies has 3 offices, with 4 listed addresses in 1 state.
Pennsylvania · 4 listed addresses
- 147 North Shippen Street, LancasterHQ
- 2120 Market Street, Camp Hill
- 195 Stock Street, Hanover
- 134 Sipe Avenue, Hershey
Contact and registration details
- Legal name
- Planning Strategies, Inc.
- Headquarters
- 147 North Shippen Street, Lancaster, PA 17602
- Website
- visitpsionline.com
- Phone
- 717-207-7123
- @psicapitalmanagement
- SEC file
- 801-112684
- Founded
- 2001
- Structure
- Pennsylvania corporation
- Fiscal year end
- December
Planning Strategies’ named custodian for separately managed accounts is Charles Schwab ($383M). Planning Strategies has custody of $85.4M for 161 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $383M100%
At year end, Planning Strategies’ separately managed accounts were mostly in funds (56%) and stocks (37%). Its reported 13F holdings for the quarter ended 30 June 2026 total $160M across 1,068 positions; the largest are Vanguard Russell 1000 Growth ETF (16.4%), Franklin International Low Volatility High Dividend Index ETF (10.0%) and iShares Core Dividend Growth ETF (9.7%).
What the accounts hold
- Stocks37%
- Funds56%
- Cash7%
How many clients does Planning Strategies have?
Planning Strategies has 514 clients and manages $385 million for them, as of March 2026. They include 409 individual clients, 94 high-net-worth individuals, and 7 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 18 March 2026
What services does Planning Strategies offer?
Planning Strategies provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Planning Strategies charge?
Planning Strategies charges 0.75%–1.25% a year for its Investment Management Fee. The fee is billed in advance or in arrears and is negotiable.
Source: PSI CAPITAL MANAGEMENT PART 2A DISCLOSURE BROCHURE, filed 18 March 2026
Which custodians does Planning Strategies use?
Planning Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $383M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 March 2026
How many financial advisors does Planning Strategies have?
Planning Strategies has 11 investment adviser representatives registered with state securities authorities, out of 11 employees, and 7 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Planning Strategies invest in?
At the end of its last fiscal year, Planning Strategies’ separately managed accounts held 56% registered funds (mutual funds, ETFs, BDCs), 37% exchange-traded equities and 7% 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 Planning Strategies?
Planning Strategies’ direct owners are Scott Smith, Gregory Staub, Matthew Staub and Vanessa Zook, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 18 March 2026
How does Planning Strategies get paid?
Planning Strategies 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 Planning Strategies?
Planning Strategies’ main office is at 147 North Shippen Street, Lancaster, PA 17602. Its phone number is 717-207-7123. Its website is visitpsionline.com.