Planful Finance is a registered investment advisor based in Lake Oswego, Oregon, offering discretionary portfolio management and financial planning services. The firm tailors its investment advice to individual client needs, utilizing exchange-traded funds, mutual funds, and liquid real estate investment trusts, often implementing model portfolios based on varying risk tolerances. Planful Finance provides three service tiers: 'Planful Start' for standalone financial planning, 'Planful Investor' for portfolio management with Betterment and limited planning consultation, and 'Planful Partner' for comprehensive portfolio management with Charles Schwab and ongoing financial planning services. The firm is owned and operated by Scott Frey, who is a Certified Financial Planner.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.00% |
| $1.0M - $2.0M | 0.80% |
| $2.0M - $5.0M | 0.60% |
| $5.0M - $10.0M | 0.40% |
| $10M+ | 0.20% |
Rates apply to the Planful Partner program. The Planful Investor program charges a flat 0.5% for portfolios under $1,000,000. Fees are negotiable.
