Planning Solutions Group

PSG builds client portfolios by starting with a comprehensive financial plan that incorporates retirement projections, tax analysis, and estate considerations. Asset allocation and security selection follow from that plan. The firm uses third-party fund managers and direct holdings, selecting products based on their fit with each client's planning-derived objectives rather than in-house proprietary mandates.

No. Planning Solutions Group operates as an independent registered investment advisor based in Fulton, Maryland. This independence allows the firm to custody assets at multiple platforms and recommend products from a wide range of third-party providers, not limited to a single bank or wirehouse product shelf.

The firm serves individuals, families, and business owners, with a geographic concentration in the Baltimore-Washington metropolitan area. Its service model focuses on clients seeking integrated planning — those who need retirement income strategies, tax-efficient distribution planning, and multi-generational estate coordination rather than standalone investment management.

PSG functions as a planning-centric advisory firm that selects third-party asset managers and direct securities for client portfolios. The firm does not promote proprietary investment products or in-house fund management. Its value proposition rests on the planning, coordination, and ongoing fiduciary oversight rather than internal asset management manufacturing.

Tax planning is embedded in PSG's core service model, not treated as a standalone add-on. The firm evaluates asset location across taxable, tax-deferred, and tax-free accounts, coordinates required minimum distribution strategies, and integrates tax-loss harvesting and municipal bond analysis into ongoing portfolio management as part of the planning-first framework.