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Frederick Gearhart

Personal Legacy Planners
27 Years of Experience
Palm Beach Gardens, FL
1 DisclosureSells Insurance
View SEC Summary
View SEC Summary

Frederick Gearhart is a registered investment advisor at Personal Legacy Planners, based in Palm Beach Gardens, FL, with 27 years of industry experience. Frederick operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Divorce Planning, Education Planning, Estate Planning, Financial Planning & Coaching, and 4 more.

Personal Legacy Planners
Compensation
Fee-Only (% of Portfolio)Fixed/Hourly
Firm Size
3 advisors
Number of Clients
Not specified
Average Client Portfolio
Not specified

Fee Structure

Minimum Investment:None
Planning is included in investment management (also available separately)
Portfolio-Based Fees (Tiered)
Portfolio ValueAnnual Fee
Up to $500K1.90%
$500K+1.00%

The annual fee includes the third-party advisor's maximum annual fee of 0.50%. Fees are negotiable and accounts in the same household are aggregated.

Fee Estimator
Your Portfolio Value
$500K
$0$500K$1M$5M$20M
Estimated Annual Fee
—
View Full SEC Brochure

Location

3801 Pga Boulevard, Suite 600, Palm Beach Gardens, FL, 33410

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History

Regulatory History (1)
What are disclosures? Advisors must report customer complaints, regulatory actions, and certain legal or financial events to the SEC. Not all disclosures are serious—many are settled disputes or minor violations. Learn how to evaluate them.
Criminal
March 1991
Final Disposition
View Full SEC ReportHow to Read Disclosures
Other Business ActivitiesSells Insurance

Frederick is a trustee, managing member, and insurance agent involved in various LLCs, including PLP Advisors, PLP Services, PLP Metals, and Illuminated Insurance Services. He dedicates a significant amount of time to PLP Services, focusing on fixed life and annuity products, and also spends minimal time on other ventures like TG Leasing and Spanish Main Investments.

Employment History
Current Registrations
Personal Legacy Planners
January 2014 - Present · 12 yrs 9 mos
Previous Registrations
Luminist Capital, LLC
August 2017 - November 2020 · 3 yrs 3 mos
Luminist Capital, LLC
March 2015 - August 2015 · 5 mos
Centaurus Financial, INC.Broker
December 2010 - March 2012 · 1 yr 3 mos
Veritas Specialized Investment Services, LLC
September 2010 - December 2010 · 3 mos
USA Advanced Planners INC.Broker
January 2006 - December 2010 · 4 yrs 11 mos
USA Wealth Management LLC
April 2003 - December 2013 · 10 yrs 8 mos
USA Financial Securities CorporationBroker
September 2000 - January 2006 · 5 yrs 4 mos
Lifeusa Securities, INC.Broker
March 1999 - August 2000 · 1 yr 5 mos
State Registrations2 states
FLMI
Advisor

You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.

Exams
No exam information available for this advisor.
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