# Financial Planning Services

> Financial Planning Services is an SEC-registered investment advisory firm in Fort Wayne, IN, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 17, 2026.

- CRD: 121034
- Filed as: FINANCIAL PLANNING SERVICES
- Legal name: Schmidt, Jacob Aaron
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Fort Wayne, IN
- Filing period: October 2026
- Form ADV filing dated: March 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/121034
- AdvisorCensus page: https://advisorcensus.com/firm/financial-planning-services-fort-wayne-in-121034

## Quick answers

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

**Where is Financial Planning Services located?**
Financial Planning Services' principal office is in Fort Wayne, IN, according to its Form ADV.

**Is Financial Planning Services registered with the SEC or a state?**
Financial Planning Services is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 121034.

**How much does Financial Planning Services manage?**
Financial Planning Services reports $212,629,231 in regulatory assets under management in its Form ADV filing dated March 17, 2026 (100% discretionary).

**How have Financial Planning Services' assets and staff changed since 2022?**
In the Form ADV data for Financial Planning Services: Regulatory assets under management: $115,083,035 in the October 2022 data and $212,629,231 in the October 2026 data, up 85%. Total employees: 4 in October 2022 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Planning Services serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (425); high net worth individuals (58); charitable organizations (4).

**Which custodians does Financial Planning Services use?**
Financial Planning Services' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC and Pershing Advisor Solutions LLC as custodians holding 10% or more of its separately managed account assets.

**Does Financial Planning Services report any disciplinary disclosures?**
Reports 2 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation) and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/121034

**What changed in Financial Planning Services' recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $179,182,155 to $212,629,231 (+19%).

## From the Form ADV filing

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

### Custodians (Schedule D, Section 5.K(3))
- National Financial Services LLC
- Pershing Advisor Solutions 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: $212,629,231
- Discretionary: $212,076,760
- Non-discretionary: $552,471

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 425 | $98,490,023 |
| High net worth individuals | 58 | $99,012,080 |
| 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 | 4 | $3,843,807 |
| 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 | 2 | $11,283,321 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2022 (4 years)
- Employees: 7 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, IL, IN, MI, OH, TX
- Disclosures (Item 11): Reports 2 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(2): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?
- 11.D(4): In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/121034

### Websites listed on Form ADV (Item 1.I)
- tobuildwealth.com
- Facebook @tobuildwealth
- LinkedIn @financial-planning-services---tobuildwealth-com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $115,083,035 | 4 | April 19, 2022 |
| October 2023 | $98,308,566 | 5 | September 6, 2023 |
| October 2024 | $153,393,473 | 5 | September 9, 2024 |
| October 2025 | $179,182,155 | 7 | April 9, 2025 |
| October 2026 | $212,629,231 | 7 | March 17, 2026 |

Regulatory assets under management: $115,083,035 in the October 2022 data and $212,629,231 in the October 2026 data, up 85%.
Total employees: 4 in October 2022 and 7 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $179,182,155 to $212,629,231 (+19%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Planning Services (CRD 121034): Form ADV filing data as of October 2026.