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Elizabeth Espinal

Advice and Planning Services
25 Years of Experience
Princeton, NJ
1 DisclosureBroker
View SEC Summary
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Elizabeth Espinal is a registered investment advisor at Advice and Planning Services, based in Princeton, NJ, with 25 years of industry experience. Elizabeth is also registered as a broker, so some compensation may come from commissions on products sold. Their practice areas include Estate Planning, Investment Management, Retirement Planning. Their firm serves 72,503 clients with $38B in assets under management.

Advice and Planning Services
Compensation
Fee-Only (% of Portfolio)
Firm Size
1692 advisors
Number of Clients
72,503 clients
Average Client Portfolio
$523K average
Assets Under Management
$37.9B

Fee Structure

Minimum Investment:$5K
Investment management only (planning not offered)
Portfolio-Based Fees (Flat)
Portfolio ValueAnnual Fee
Any1.15%

Rates vary by managed account program. TIAA Portfolio Advisor uses a tiered schedule ranging from 1.15% down to 0.40% annually. Private Asset Management ranges from 0.90% down to 0.40% for blended portfolios plus transaction costs, and 0.15% for fixed income portfolios plus transaction costs.

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

Location

155 Village Boulevard, Suite A, Princeton, NJ, 08540

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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.
Customer Dispute
November 2017
Denied
View Full SEC ReportHow to Read Disclosures
Employment History
Current Registrations
Advice and Planning Services
February 2024 - Present · 2 yrs 8 mos
Tiaa-Cref Individual & Institutional Services, LLC
February 2024 - Present · 2 yrs 8 mos
Tiaa-Cref Individual & Institutional Services, LLCBroker
February 2024 - Present · 2 yrs 8 mos
Previous Registrations
LPL Financial LLC
October 2020 - January 2024 · 3 yrs 3 mos
LPL Financial LLCBroker
October 2020 - January 2024 · 3 yrs 3 mos
Santander Securities
September 2012 - October 2020 · 8 yrs 1 mo
Santander Securities LLCBroker
September 2012 - October 2020 · 8 yrs 1 mo
LPL Financial LLCBroker
February 2012 - September 2012 · 7 mos
LPL Financial LLC
February 2012 - September 2012 · 7 mos
Wells Fargo Advisors, LLC
December 2010 - February 2012 · 1 yr 2 mos
Wells Fargo Advisors, LLCBroker
December 2010 - February 2012 · 1 yr 2 mos
PNC InvestmentsBroker
March 2006 - December 2010 · 4 yrs 9 mos
PNC Investments
March 2006 - December 2010 · 4 yrs 9 mos
Banc of America Investment Services, INC.
October 2004 - March 2006 · 1 yr 5 mos
Banc of America Investment Services, INC.Broker
October 2004 - March 2006 · 1 yr 5 mos
Quick & Reilly, INC.
July 2004 - October 2004 · 3 mos
Quick & Reilly, INC.Broker
June 2001 - October 2004 · 3 yrs 4 mos
State Registrations5 states
FLNCNJNYVA
AdvisorBrokerBoth

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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