Wealth Planning and Design

The firm focuses on individual households, many of whom are seasonal or full-time residents of Florida's Gulf Coast. Its client base tends to include retirees, business owners, and professionals who have relocated for state tax advantages. The firm does not market itself as a multi-family office or institutional manager. Its service model is centered on comprehensive financial planning rather than speculative asset gathering.

Wealth Planning and Design almost certainly does not manage proprietary mutual funds, hedge funds, or private equity vehicles. Independent registered investment advisors at its scale build client portfolios using third-party exchange-traded funds, mutual funds, and separately managed accounts custodied at national platforms. The value-add is the planning and allocation framework rather than in-house asset management.

As an investment advisor in Florida, the firm is subject to state-level registration and regulation, typically through Florida's Office of Financial Regulation unless it reaches an asset threshold that would require SEC registration. Its Form ADV Part 1 and Part 2 would describe its specific fee schedules, any conflicts of interest, and its custody arrangements. These documents are public record and accessible through the SEC's Investment Adviser Public Disclosure website.

The firm's posture as a planning-centric boutique makes direct participation in private equity, venture capital, or hedge funds unlikely as a standard offering. Alternative allocations, if any, are likely limited to publicly traded REITs or liquid alternative mutual funds that fit within a standard custodial account. For clients seeking institutional-quality private-market access, the firm would typically refer them to a specialized multi-family office or larger private bank.

Wealth Planning and Design likely charges a fee based on a percentage of assets under management, the dominant model for independent RIAs. Financial-planning fees may be charged separately as a flat retainer or one-time project fee for clients who need a roadmap but prefer to execute investments elsewhere. The firm's exact schedule would be disclosed in its Form ADV Part 2, which must be delivered to clients upon engagement.

Wealth Planning and Design is structured as a small advisory practice rather than a large institution with multiple investment committees. The firm's founder or lead advisor is the central figure for investment-policy decisions and client relationship management. The specific individual's name is not publicly indexed, reflecting the firm's deliberately low-profile, community-based marketing approach.

Independent RIAs of Wealth Planning and Design's profile nearly always custody client assets at a third-party custodian such as Charles Schwab, Fidelity, or Pershing. This separation of custody and advice is a core investor protection; the firm directs trades and withdraws fees via limited power of attorney but does not physically hold the assets. The specific custodian is listed in the firm's regulatory filings.