VIP Planners provides financial planning and portfolio management for individuals and small businesses.
VIP Planners reports 209 clients. They include 175 individual clients, 31 high-net-worth individuals and 3 charitable organizations. Of its assets, 100.0% ($126M across 427 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 84% | 29% |
| High-net-worth individuals | 15% | 70% |
| Charitable organizations | 1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 175 | $36.6M | 29.0% | $209K |
| High-net-worth individuals | 31 | $88.7M | 70.3% | $2.86M |
| Charitable organizations | Fewer than 5 | $866K | 0.7% | $289K |
| Total | 209 | $126M | 100% | — |
- Clients
- 175
- Regulatory AUM
- $36.6M
- AUM share
- 29.0%
- Avg. per client
- $209K
- Clients
- 31
- Regulatory AUM
- $88.7M
- AUM share
- 70.3%
- Avg. per client
- $2.86M
- Clients
- Fewer than 5
- Regulatory AUM
- $866K
- AUM share
- 0.7%
- Avg. per client
- $289K
Total
- Clients
- 209
- Regulatory AUM
- $126M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
VIP Planners charges 1.00%–1.50% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $1,500 annual minimum and requires an account of at least $100,000. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.50% |
| $1M–$5M | 1.25% |
| $5M and above | 1.00% |
Fee details and sources
Other fees
- Financial Consulting Services
- Financial consulting is invoiced at the estimated cost of the plan, half due on engagement and the final payment based on actual hours required.
- Financial Planning Services
- Financial planning has a minimum fee of $1,500 that is negotiable, and follow-up implementation work is billed at $375 per hour, also negotiable.
Terry Vandelinde owns 75% or more of VIP Planners. The leadership team of VIP Planners includes President Terry Vandelinde. It has 4 employees, 3 of them in advisory roles.
Leadership
Terry VandelindePresident/CCO
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 3 in advisory functions
- 2 state-registered reps
- 2 insurance agents
- Owns 75% or more of Vip Planners, Inc.
Terry Vandelinde
Control person · since May 1985
Besides its headquarters, VIP Planners has 1 office, with 2 listed addresses in Virginia.
Virginia · 2 listed addresses
- 1502 Franklin Road, SW, RoanokeHQ
- 137 Laxton Road, Forest
Contact and registration details
- Legal name
- Vip Planners, Inc.
- Headquarters
- 1502 Franklin Road, SW, Roanoke, VA 24016
- Website
- vipplanners.com
- Phone
- 540-342-1895
- SEC file
- 801-134197
- Structure
- Virginia corporation
- Fiscal year end
- December
VIP Planners uses Fidelity ($126M) as custodian for its separately managed accounts. VIP Planners has custody of $56.2M in client assets for 65 clients.
- FidelityNational Financial Services LLC · Boston, MA · $126M100%
At year end, VIP Planners’ separately managed accounts were mostly in funds (95%).
What the accounts hold
- Funds95%
- Cash5%
How many clients does VIP Planners have?
VIP Planners has 209 clients and manages $126 million for them, as of March 2026. They include 175 individual clients, 31 high-net-worth individuals and 3 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026
What services does VIP Planners offer?
VIP Planners provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does VIP Planners charge?
VIP Planners charges 1.00%–1.50% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $1,500 annual minimum and requires an account of at least $100,000.
Source: VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE, filed 18 February 2026
Which custodians does VIP Planners use?
VIP Planners’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $126M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026
How many financial advisors does VIP Planners have?
VIP Planners has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 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 VIP Planners invest in?
At the end of its last fiscal year, VIP Planners’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs) and 5% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does VIP Planners have a minimum investment?
Yes, VIP Planners’ minimum account size for its Portfolio Management Services is $100K. It charges a $1.5K annual minimum fee.
Source: VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE, filed 18 February 2026
Who owns VIP Planners?
VIP Planners’ direct owner is Terry Vandelinde (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 March 2026
How does VIP Planners get paid?
VIP Planners 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 VIP Planners?
VIP Planners’ main office is at 1502 Franklin Road, SW, Roanoke, VA 24016. Its phone number is 540-342-1895. Its website is vipplanners.com.