PlanWiser Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting. Financial planning was provided to 1–10 clients last fiscal year.
PlanWiser Financial reports 224 clients. They include 164 individual clients, 47 high-net-worth individuals, and 9 pension and profit-sharing plans. Of its assets, 93.3% ($158M across 878 accounts) are managed with discretion; $11.4M across 9 accounts are not. It advised 4 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 73% | 43% |
| High-net-worth individuals | 21% | 46% |
| Pension and profit-sharing plans | 4% | 7% |
| Corporations and other businesses | 2% | 4% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 164 | $73.4M | 43.4% | $448K |
| High-net-worth individuals | 47 | $78M | 46.1% | $1.66M |
| Pension and profit-sharing plans | 9 | $11.4M | 6.7% | $1.27M |
| Corporations and other businesses | Fewer than 5 | $6.41M | 3.8% | $1.6M |
| Total | 224 | $169M | 100% | — |
- Clients
- 164
- Regulatory AUM
- $73.4M
- AUM share
- 43.4%
- Avg. per client
- $448K
- Clients
- 47
- Regulatory AUM
- $78M
- AUM share
- 46.1%
- Avg. per client
- $1.66M
- Clients
- 9
- Regulatory AUM
- $11.4M
- AUM share
- 6.7%
- Avg. per client
- $1.27M
- Clients
- Fewer than 5
- Regulatory AUM
- $6.41M
- AUM share
- 3.8%
- Avg. per client
- $1.6M
Total
- Clients
- 224
- Regulatory AUM
- $169M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 4
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
PlanWiser Financial charges up to 1.30% a year for its Investment Management Fee. The fee is billed in advance, is negotiable and has a $2,100 annual minimum. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Stand-alone financial planning is billed hourly at a mutually agreed fee not to exceed $400 per hour, negotiable; advisory clients have it included in their advisory fee.
Joel Top owns 75% or more of PlanWiser Financial. The leadership team of PlanWiser Financial includes President Joel Top and Chief Compliance Officer Lindsay Lingo. It has 6 employees, 2 of them in advisory roles.
Staff
- 6 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- Owns 75% or more of Planwiser Financial, LLC
Joel Top
Control person · since February 2019
PlanWiser Financial’s regulatory assets grew from $134M (April 2025) to $169M (October 2026); clients rose from 199 to 224 and employees from 5 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Oct 2026October 2026 | $169M | 224 | 6 | 1 |
| Apr 2025April 2025 | $134M | 199 | 5 | 1 |
Besides its headquarters, PlanWiser Financial has 0 offices, with 1 listed address in 1 state.
Colorado · 1 listed address
- 3710 Sinton Road, Suite 100, Colorado SpringsHQ
Contact and registration details
- Legal name
- Planwiser Financial, LLC
- Headquarters
- 3710 Sinton Road, Suite 100, Colorado Springs, CO 80907
- Website
- planwiser.com
- Phone
- 719-822-0808
- @planwiser-colorado
- SEC file
- 801-130873
- Structure
- Colorado LLC
- Fiscal year end
- December
PlanWiser Financial’s named custodian for separately managed accounts is Charles Schwab ($145M). PlanWiser Financial has custody of $27.9M for 93 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $145M100%
At year end, PlanWiser Financial’s separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 30 June 2026 total $144M across 50 positions; the largest are American Centy ETF TR (11.2%), iShares TR (9.9%) and Vanguard Scottsdale Fds (4.8%).
What the accounts hold
- Stocks5%
- Exchange-traded equities4%
- Non-exchange-traded equities1%
- Funds90%
- Cash2%
- Other3%
- Annuities3%
How many clients does PlanWiser Financial have?
PlanWiser Financial has 224 clients and manages $169 million for them, as of October 2026. They include 164 individual clients, 47 high-net-worth individuals, and 9 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026
What services does PlanWiser Financial offer?
PlanWiser Financial 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 PlanWiser Financial charge?
PlanWiser Financial charges up to 1.30% a year for its Investment Management Fee. The fee is billed in advance, is negotiable and has a $2,100 annual minimum.
Which custodians does PlanWiser Financial use?
PlanWiser Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $145M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026
How many financial advisors does PlanWiser Financial have?
PlanWiser Financial has 2 investment adviser representatives registered with state securities authorities, out of 6 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does PlanWiser Financial invest in?
At the end of its last fiscal year, PlanWiser Financial’s separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities, 3% other, 2% cash and equivalents and 1% non-exchange-traded equities. The 3% other category is described as: Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns PlanWiser Financial?
PlanWiser Financial’s direct owner is Joel Top (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 1 October 2026
How does PlanWiser Financial get paid?
PlanWiser Financial 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 PlanWiser Financial?
PlanWiser Financial’s main office is at 3710 Sinton Road, Suite 100, Colorado Springs, CO 80907. Its phone number is 719-822-0808. Its website is planwiser.com.