# Financial Planning Solutions

Financial Planning Solutions is a Bank / Wealth / Trust based in Carlsbad, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Carlsbad, United States
- **Region:** North America
- **Address:** Newton, MA, United States
- **Founded:** 2013
- **Assets under management:** Undisclosed
- **Website:** planwithfps.com
- **LinkedIn:** https://www.linkedin.com/company/financial-planning-solutions-llc

## Regulatory record

- **CRD number:** 134760
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/134760

## About

Founded in 2013 and based in Newton, Massachusetts, Financial Planning Solutions is a registered investment adviser serving individuals and high-net-worth households in the Greater Boston area. The firm operates a traditional wealth-management model built around financial planning, investment management, and advisory services delivered on both a discretionary and non-discretionary basis. Newton's density of affluent families provides a natural client base for a practice of this profile, though specific founding principals and any legacy wealth backing are not publicly documented. The firm offers investment management and comprehensive financial planning, with client assets managed on a discretionary basis in addition to non-discretionary advisory relationships where the firm provides guidance without execution authority. Public records confirm registration as an investment adviser in Massachusetts, but the firm does not publish details about its asset-class mix, typical portfolio construction, or whether it accesses alternatives. Its website domain — planwithfps.com — emphasizes planning as the core client relationship, a positioning consistent with RIAs that build practices around retirement income, tax strategy, and intergenerational transfers for professional families rather than institutional mandates. Financial Planning Solutions does not disclose assets under management, total client households, or staff headcount in any public filing or on its website. The firm maintains a low public profile with no LinkedIn presence captured, and state regulatory filings indicate a small practice. There are no known adjacent vehicles, philanthropic entities, or co-investment structures. Without public communications or known hires in the last 24 months, current operational posture is unobservable from outside the client base. A structural differentiator for Financial Planning Solutions is its strictly local, planning-led fiduciary model — operating without the product-manufacturing conflicts of a bank trust department or the growth imperatives of a roll-up aggregator. As an independent RIA in a wealthy Boston suburb, the firm's architecture is defined by practitioner-level relationships rather than institutional scale, making it representative of the vast but quiet majority of US advisory practices that serve concentrated regional client bases without public branding or capital-markets activity.

## Sectors

- Wealth Management & Financial Planning

## Questions

### What services does Financial Planning Solutions offer?

The firm provides investment management, wealth management, and financial planning services. It operates on both a discretionary basis — where it manages client portfolios directly — and a non-discretionary basis, offering advisory guidance without direct execution authority, according to its regulatory filings.

### Is Financial Planning Solutions a fiduciary?

As a registered investment adviser in Massachusetts, Financial Planning Solutions is bound by the fiduciary standard under the Investment Advisers Act of 1940, requiring it to act in clients' best interests. The firm's dual discretionary and non-discretionary service lines allow it to serve clients under this standard regardless of whether it executes trades.

## Related profiles

- [Financial Planning Services](https://altss.com/profile/financial-planning-services)
- [Financial Resource Center](https://altss.com/profile/financial-resource-center)

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Last updated: 2026-06-03T20:00:00.000Z

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