Gainplan

Overview

Gainplan was launched in 2015 by Ryan English as a fee-only registered investment advisor headquartered in Bloomfield Hills, Michigan. The firm operates on a fiduciary standard, offering financial planning and investment management services to individuals, high-net-worth families, and corporate clients. Its founding thesis centers on transparent, flat-fee pricing as an alternative to traditional asset-under-management percentage fees and commission-driven brokerage relationships. Gainplan's investment approach emphasizes low-cost, broadly diversified portfolios constructed primarily from exchange-traded funds and mutual funds. The firm manages assets across equity, fixed-income, and cash-equivalent allocations, with client portfolios tailored to individual risk tolerance and time horizon. The firm does not operate proprietary funds; instead, it acts as a discretionary portfolio manager for separately managed accounts. Public record shows the firm serving clients across the United States, with a concentration in the Midwest. As a boutique RIA, Gainplan lists a small team of financial advisors and support staff. The firm's promotional materials, available publicly, emphasize retirement planning, tax-efficient withdrawal strategies, and holistic wealth management for professionals and business owners. It has not publicly disclosed assets under management. In September 2023, the SEC's IAPD database confirmed Gainplan's active registration status with a Michigan headquarters and fewer than five investment-advisory employees, though firm headcount figures are undated (per SEC filing, 2023). Gainplan's structural differentiator rests on its flat-fee model rather than scale or brand. Where most RIAs compete on AUM-based fees, English opted for a subscription-style planning and investment management charge. That pricing architecture removes the incentive to gather assets for its own sake, aligning the firm's revenue with hours and scope of advice delivered. It remains a small practice, its identity tied more to a local, planner-centric ethos than to the platform businesses rolling up the RIA space.