# Core Planning

> Core Planning is an SEC-registered investment advisory firm in Ofallon, MO, registered since 2025, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated September 15, 2026.

- CRD: 154660
- Filed as: CORE PLANNING
- Legal name: Core Planning, LLC
- Also doing business as: AD ASTRA, AMERICAN WEALTH PLANNER, ANCHORLINE FINANCIAL, ARDEN FINANCIAL, AWX FINANCIAL, CORE, COREALIGN, CPJ FINANCIAL, DESERT CREST FINANCIAL, FEDAK FINANCIAL PLANNING, FLAMES FINANCIAL PLANNING, GOLDRISE WEALTH ADVISORS, H3FP, HOWARD LEGACY WEALTH MANAGEMENT, INFINITY FINANCIAL SERVICES, KITE AND COMPASS FINANCIAL, MONEY FOR MAKERS, NEARY FINANCIAL PLANNING, NOVAK FINANCIAL PARTNERS, PATHFINDER PLANNING AND INVESTMENTS, PETERSON WEALTH ADVISORY, PINK THREAD, REN INVESTMENTS, SAGE WEALTH GROUP, SAVOR FINANCIAL, SEAM FI, SUMMIT RIDGE WEALTH, UZUME, WELLFUL MONEY, WORTHWHILE RETIREMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ofallon, MO
- Filing period: October 2026
- Form ADV filing dated: September 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/154660
- AdvisorCensus page: https://advisorcensus.com/firm/core-planning-ofallon-mo-154660

## Quick answers

**How is Core Planning compensated?**
On its Form ADV (Item 5.E, October 2026), Core Planning reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Core Planning charge?**
Its Form ADV Part 2A brochure dated March 26, 2026 states: Hourly rate: $400 an hour (stand-alone financial planning and consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Core Planning located?**
Core Planning's principal office is in Ofallon, MO, according to its Form ADV.

**Is Core Planning registered with the SEC or a state?**
Core Planning is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 154660.

**How much does Core Planning manage?**
Core Planning reports $525,029,564 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (95% discretionary).

**How have Core Planning's assets and staff changed since 2025?**
In the Form ADV data for Core Planning: Regulatory assets under management: $121,451,500 in the October 2025 data and $525,029,564 in the October 2026 data, up 332%. Total employees: 32 in October 2025 and 65 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Core Planning serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (745); high net worth individuals (122).

**Which custodians does Core Planning use?**
Core Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.

**Does Core 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/154660

**What changed in Core Planning's recent Form ADV filings?**
In the October 2026 filing data: Registered or notice-filed in VI.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 26, 2026)

- Hourly rate: $400 an hour (stand-alone financial planning and consulting services)

> We generally charge a maximum hourly fee of $400 for such stand-alone financial planning and consulting services, which is negotiable depending on the scope and complexity of the plan

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial LLC
- Charles Schwab & Co., Inc.

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.

### Regulatory assets under management (Item 5.F)
- Total: $525,029,564
- Discretionary: $500,446,055
- Non-discretionary: $24,583,509

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 745 | $245,123,111 |
| High net worth individuals | 122 | $279,906,453 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (1 year)
- Employees: 65 total, 61 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, VA, VI, WA, WI, WV, WY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- adastrafp.com
- americanwealthplanner.com
- ardenfinancialllc.com
- awxfinancial.com
- corealignfin.com
- corepln.com
- cpjfinancial.com
- dawncabernathy.com
- desertcrestfinancial.com
- flamesfp.com
- goldrisewealth.com
- h3fp.com
- howardlegacywealth.com
- infinityfinancialservice.com
- justinpullaro.com
- kiteandcompassfp.com
- moneyformakers.com
- nearyfinancial.com
- novakfinancialpartners.com
- pathfinderplanmt.com
- petersonwealthadvisory.com
- pinkthreadfinancial.com
- reninvestmentadviser.com
- sagewealthgroup.com
- savor.financial
- seamfi.com
- uzumellc.com
- wellfulmoney.com
- worthwhileretirement.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $121,451,500 | 32 | June 6, 2025 |
| October 2026 | $525,029,564 | 65 | September 15, 2026 |

Regulatory assets under management: $121,451,500 in the October 2025 data and $525,029,564 in the October 2026 data, up 332%.
Total employees: 32 in October 2025 and 65 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Registered or notice-filed in VI.

### August 2026
- Registered or notice-filed in HI, RI, WY.

### June 2026
- Registered or notice-filed in CO, DC, IA, IN, LA, MA, MS, NH, OH, WV.

### May 2026
- Registered or notice-filed in MD.

### April 2026
- Regulatory assets under management went from $121,451,500 to $525,029,564 (+332%).
- Employees performing advisory functions went from 32 to 61.
- Added the business name Uzume.
- Added the business name Seam FI.
- Added the business name AWX Financial.
- Added the business name CPJ Financial.
- Added the business name Wellful Money.
- Added the business name Arden Financial.
- Added the business name REN Investments.
- Added the business name Money for Makers.
- Added the business name Sage Wealth Group.
- Added the business name Summit Ridge Wealth.
- Added the business name Anchorline Financial.
- Added the business name Worthwhile Retirement.
- Added the business name Desert Crest Financial.
- Added the business name American Wealth Planner.
- Added the business name Fedak Financial Planning.
- Added the business name Goldrise Wealth Advisors.
- Added the business name Neary Financial Planning.
- Added the business name Novak Financial Partners.
- Added the business name Peterson Wealth Advisory.
- Added the business name Flames Financial Planning.
- Added the business name Kite and Compass Financial.
- Added the business name Infinity Financial Services.
- Added the business name Howard Legacy Wealth Management.
- Added the business name Pathfinder Planning and Investments.

### December 2025
- Registered or notice-filed in WI.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Core Planning (CRD 154660): Form ADV filing data as of October 2026.