# CTS Financial Planning, Inc.

> CTS Financial Planning, Inc. is an SEC-registered investment advisory firm in Chicago, IL, registered since 1985, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated December 23, 2025.

- CRD: 110960
- Filed as: CTS FINANCIAL PLANNING, INC.
- Legal name: Certified Tax Service, Inc.
- Also doing business as: CTS FINANCIAL GROUP
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Chicago, IL
- Filing period: October 2026
- Form ADV filing dated: December 23, 2025
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/110960
- AdvisorCensus page: https://advisorcensus.com/firm/cts-financial-planning-inc-chicago-il-110960

## Quick answers

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

**How much does CTS Financial Planning, Inc. charge?**
Its Form ADV Part 2A brochure dated December 23, 2025 states: Flat fee: $500 to $7,500 (financial planning and consulting services); Hourly rate: $125 to $500 an hour (financial planning and/or consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is CTS Financial Planning, Inc. located?**
CTS Financial Planning, Inc.'s principal office is in Chicago, IL, according to its Form ADV.

**Is CTS Financial Planning, Inc. registered with the SEC or a state?**
CTS Financial Planning, Inc. is an SEC-registered investment advisory firm, registered since 1985. Status as filed: Approved. CRD 110960.

**How much does CTS Financial Planning, Inc. manage?**
CTS Financial Planning, Inc. reports $313,859,000 in regulatory assets under management in its Form ADV filing dated December 23, 2025 (100% discretionary).

**How have CTS Financial Planning, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for CTS Financial Planning, Inc.: Regulatory assets under management: $267,659,000 in the October 2021 data and $313,859,000 in the October 2026 data, up 17%. Total employees: 8 in October 2021 and 9 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does CTS Financial Planning, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (160); high net worth individuals (89).

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

**Does CTS Financial Planning, Inc. 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/110960

## 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 December 23, 2025)

- Flat fee: $500 to $7,500 (financial planning and consulting services)

> These fees are negotiable, but generally range from $500 to $7,500 on a fixed fee basis and/or from $ 125 to $500 on an hourly rate basis, depending upon the level and scope of the services

- Hourly rate: $125 to $500 an hour (financial planning and/or consulting services)

> These fees are negotiable, but generally range from $500 to $7,500 on a fixed fee basis and/or from $ 125 to $500 on an hourly rate basis, depending upon the level and scope of the services

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

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

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: $313,859,000
- Discretionary: $313,859,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 160 | $51,498,000 |
| High net worth individuals | 89 | $262,361,000 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 1985 (40 years)
- Employees: 9 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, IL, TX, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- ctsfinancialgroup.com
- Facebook @CTSFINANCIALGROUP
- LinkedIn @1311857
- X @CTS_CHI

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $267,659,000 | 8 | April 21, 2021 |
| October 2022 | $308,038,000 | 9 | December 22, 2021 |
| October 2023 | $266,419,000 | 8 | December 21, 2022 |
| October 2024 | $274,197,000 | 8 | December 22, 2023 |
| October 2025 | $298,694,000 | 8 | December 20, 2024 |
| October 2026 | $313,859,000 | 9 | December 23, 2025 |

Regulatory assets under management: $267,659,000 in the October 2021 data and $313,859,000 in the October 2026 data, up 17%.
Total employees: 8 in October 2021 and 9 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. CTS Financial Planning, Inc. (CRD 110960): Form ADV filing data as of October 2026.