Planning Capital Management

Planning Capital Management operates with an internal investment committee that sets asset-allocation frameworks and approves manager selections, though the names of individual committee members are not publicly disclosed beyond the firm's Form ADV filings. Advisers retain discretion within those frameworks to tailor portfolios to each client's tax, liquidity, and estate-planning needs. The firm's registered principals hold standard RIA designations and are listed in regulatory filings.

It is a multi-client registered investment adviser, not a single-family office. The firm serves multiple high-net-worth individuals, trusts, and families from its Philadelphia base. Its trust-company capabilities allow it to act as corporate trustee for client trusts, a service that distinguishes it from planning-only RIAs but does not alter its multi-client structure.

The firm primarily constructs separately managed accounts using individual securities, ETFs, and accessible alternative vehicles such as interval funds. It does not market participation in external private-equity or venture-capital fund commitments as a core offering, and its ADV filings do not indicate a fund-of-funds platform. Clients typically access alternatives through liquid or semi-liquid structures within their managed accounts.

The firm operates on a fee-only basis, charging clients a percentage of assets under management for ongoing portfolio management and, in many cases, fixed or hourly fees for stand-alone financial planning engagements. It does not earn commissions or transaction-based revenue from securities trading, consistent with its SEC registration as a fiduciary adviser.

While the firm does not operate a separate philanthropic foundation, its trust-services expertise extends to charitable remainder trusts and donor-advised fund coordination as part of estate-planning engagements. Advisers integrate giving strategies into clients' broader financial plans, often working alongside external tax and legal counsel.