# Wise Planning

Wise Planning is a Bank / Wealth / Trust based in Seattle, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Seattle, United States
- **Region:** North America
- **Address:** Seattle, WA, United States
- **Founded:** 1997
- **Assets under management:** Undisclosed
- **Website:** wiseplanninginc.com
- **LinkedIn:** https://www.linkedin.com/company/wise-planning-77

## Regulatory record

- **CRD number:** 123821
- **SEC file number:** 801-114999
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/123821

## About

Founded in Seattle in 1997, Wise Planning is an independently owned registered investment advisor that provides financial planning, retirement planning, and investment management. The firm's client base includes individuals, high-net-worth families, trusts, and estates. Unlike broker-dealers that can recommend proprietary products, Wise Planning operates under the Investment Advisers Act of 1940, which imposes a fiduciary duty requiring advice to be in the client's best interest. The firm's strategy centers on comprehensive financial planning rather than standalone portfolio management. Service lines are reported to include retirement income modeling, tax-aware distribution planning, and multi-generational wealth transfer structures. The investment philosophy typically emphasizes risk-adjusted, goal-based allocation over speculative returns. Wise Planning's geographic book is concentrated in the Pacific Northwest, where Seattle's concentration of technology wealth provides a natural client base of corporate executives and early-stage liquidity recipients. The firm maintains a deliberately small-team structure consistent with boutique wealth management practices. No adjacent vehicles, philanthropic foundations, or club memberships are publicly disclosed. Its posture remains narrowly defined around advice — not product manufacturing or balance-sheet lending. The structural differentiator is regulatory: as a pure RIA, Wise Planning's revenue model avoids the transaction-based conflicts embedded in wirehouses and broker-dealer networks. This architecture appeals to clients who have exited operating businesses and seek a steward rather than a sales desk. The absence of a multi-family office label or a trust company charter keeps the firm's offering constrained — a feature rather than a limitation for families who already have legacy legal and tax counsel and only want portfolio-level coordination.

## Questions

### Is Wise Planning a broker-dealer or a fee-only fiduciary?

Wise Planning is a registered investment advisor, not a broker-dealer. This means the firm is held to a fiduciary standard under the Investment Advisers Act of 1940, obligating it to act in the client's best interest. A fee-only structure is typical for firms in this classification, though the firm's specific fee schedule is not publicly posted.

## Related profiles

- [Wise Investment](https://altss.com/profile/wise-investment)
- [Wise Wealth](https://altss.com/profile/wise-wealth)

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Last updated: 2026-08-11T02:43:31.692Z

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