AdvisorCensus / Financial advisors / Minnesota / St. Cloud / AIS Planning
AIS Planning is an SEC-registered investment advisory firm in St. Cloud, MN, registered since 2025, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 23, 2026.
Quick answers
From the filingHow is AIS Planning compensated?
On its Form ADV (Item 5.E, October 2026), AIS Planning reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).
Where is AIS Planning located?
AIS Planning's principal office is in St. Cloud, MN, according to its Form ADV.
Is AIS Planning registered with the SEC or a state?
AIS Planning is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 148821.
How much does AIS Planning manage?
AIS Planning reports $590,985,738 in regulatory assets under management in its Form ADV filing dated March 23, 2026 (99% discretionary).
How have AIS Planning's assets and staff changed since 2025?
In the Form ADV data for AIS Planning: Regulatory assets under management: $485,133,788 in the October 2025 data and $590,985,738 in the October 2026 data, up 22%. Total employees: 12 in October 2025 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does AIS Planning serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (320); high net worth individuals (176); other (27).
Which custodians does AIS Planning use?
AIS Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists SEI Investments Distribution Co. as a custodian holding 10% or more of its separately managed account assets.
Does AIS Planning report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/148821
What changed in AIS Planning's recent Form ADV filings?
In the April 2026 filing data: Regulatory assets under management went from $485,133,788 to $590,985,738 (+22%).
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AThe brochure lists different fees for different services or strategies; see the brochure for them.
Minimum annual fee: $2,500
The brochure's wording
We have a minimum annual fee requirement inclusive of all Management Fees, Fixed Fees, and Onboarding Fees. The minimum fee shall be no less than $2,500 per year. However, AIS Planning reserves the right to waive or lower this minimum.
As stated in the firm's Form ADV Part 2A brochure dated March 23, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$590,985,738 as of October 2026, filing dated March 23, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Selection of other advisers (including private fund managers)
Registration and firm details
Items 1, 2, 5- Legal name
- Accredited Investor Services, LLC
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2025 (1 year)
- Employees
- Total: 13. Performing investment advisory functions: 9.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.
- States registered or notice-filed
-
4 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $590,985,738 | 13 | March 23, 2026 |
| October 2025 | $485,133,788 | 12 | May 13, 2025 |
Regulatory assets under management: $485,133,788 in the October 2025 data and $590,985,738 in the October 2026 data, up 22%.
Total employees: 12 in October 2025 and 13 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- April 2026
- Regulatory assets under management went from $485,133,788 to $590,985,738 (+22%).
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. AIS Planning (CRD 148821): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/ais-planning-st-cloud-mn-148821