Investment Planning Advisors, operating as TruFP, provides personalized investment management and financial planning services to individuals and high net worth clients. The firm tailors its investment strategies to meet each client's specific goals, risk tolerance, and time horizon, utilizing asset allocation, dollar-cost averaging, and long-term purchases among other strategies. Clients can impose restrictions on investing in certain securities or sectors. In addition to managing portfolios, TruFP offers consulting services covering risk assessment, investment planning, and estate planning. The firm operates primarily on a discretionary basis, executing trades through Charles Schwab & Co., and also offers pension consulting services to employer retirement plans. TruFP emphasizes a client-first approach guided by its code of ethics and fiduciary standards.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $250K | 1.00% |
| $250K - $1.0M | 0.80% |
| $1.0M - $2.5M | 0.60% |
| $2.5M - $5.0M | 0.50% |
| $5.0M - $10.0M | 0.40% |
| $10M+ | 0.30% |
Fees are assessed monthly or quarterly in advance. TruFP has the sole discretion to negotiate lower fees or waive them in individual cases.