{
  "crd_number": 336568,
  "slug": "pearl-planning-dexter-mi-336568",
  "primary_business_name": "PEARL PLANNING",
  "legal_name": "PEARL PLANNING, LLC",
  "dbas": [],
  "city": "Dexter",
  "state": "MI",
  "country": "United States",
  "cbsa_code": "11460",
  "metro": {
    "cbsa_code": "11460",
    "common_name": "Ann Arbor",
    "msa_name": "Ann Arbor, MI",
    "path": "/advisors/mi/ann-arbor"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2025-06-03",
  "years_registered": 1,
  "period": "2026-10-01",
  "filing_date": "2026-08-21",
  "carried_forward": false,
  "raum_total": 329182626.0,
  "raum_discretionary": 329182626.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 7,
  "advisory_employees": 4,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 3267453.0,
      "count": null,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 64143324.0,
      "count": 201
    },
    "pension_profit_sharing": {
      "raum": 5217830.0,
      "count": null,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 256376565.0,
      "count": 104
    },
    "corporations_other_businesses": {
      "raum": 177454.0,
      "count": null,
      "fewer_than_5": true
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals",
    "selection_of_other_advisers"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "FL",
    "GA",
    "MI",
    "NY",
    "OR",
    "TX",
    "VA"
  ],
  "websites": [
    "https://facebook.com/PearlPlanningWealth",
    "https://instagram.com/pearlplanningfinancial",
    "https://linkedin.com/company/pearlplanningwealth",
    "https://linkedin.com/in/melissanjoy",
    "https://pearlplanning.com",
    "https://x.com/MelissaJoyCFP"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/336568",
  "city_as_filed": "DEXTER",
  "url": "https://advisorcensus.com/firm/pearl-planning-dexter-mi-336568",
  "display_name": "Pearl Planning",
  "summary": "Pearl Planning is an SEC-registered investment advisory firm in Dexter, MI, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 21, 2026.",
  "citation": "AdvisorCensus. Pearl Planning (CRD 336568): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "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)"
  ],
  "quick_answers": [
    {
      "q": "How is Pearl Planning compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Pearl Planning reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "Where is Pearl Planning located?",
      "a": "Pearl Planning's principal office is in Dexter, MI, according to its Form ADV."
    },
    {
      "q": "Is Pearl Planning registered with the SEC or a state?",
      "a": "Pearl Planning is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 336568."
    },
    {
      "q": "How much does Pearl Planning manage?",
      "a": "Pearl Planning reports $329,182,626 in regulatory assets under management in its Form ADV filing dated August 21, 2026 (100% discretionary)."
    },
    {
      "q": "How have Pearl Planning's assets and staff changed since 2025?",
      "a": "In the Form ADV data for Pearl Planning: Regulatory assets under management: $0 in the October 2025 data and $329,182,626 in the October 2026 data. Total employees: 3 in October 2025 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Pearl Planning serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (201); high net worth individuals (104)."
    },
    {
      "q": "Which custodians does Pearl Planning use?",
      "a": "Pearl Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., Fidelity Brokerage Services LLC and Raymond James & Associates, Inc. as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Pearl Planning report any disciplinary disclosures?",
      "a": "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/336568"
    },
    {
      "q": "Does Pearl Planning state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated August 21, 2026 says: \"We do not require a minimum asset level or impose a minimum fee for our services.\""
    },
    {
      "q": "What changed in Pearl Planning's recent Form ADV filings?",
      "a": "In the July 2026 filing data: Registered or notice-filed in CO, GA."
    }
  ],
  "filing_history": [
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 0.0,
      "total_employees": 3,
      "filing_date": "2025-07-18"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 329182626.0,
      "total_employees": 7,
      "filing_date": "2026-08-21"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-07-01",
      "period_label": "July 2026",
      "notes": [
        "Registered or notice-filed in CO, GA."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 3 to 4.",
        "Registered or notice-filed in VA."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Regulatory assets under management went from $0 to $312,767,208.",
        "Registered or notice-filed in CA, FL, NY, OR, TX."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated August 21, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": "None",
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We do not require a minimum asset level or impose a minimum fee for our services."
        ]
      },
      {
        "label": "Minimum annual fee",
        "statements": [
          "Minimum annual fee: None"
        ],
        "quotes": [
          "We do not require a minimum asset level or impose a minimum fee for our services."
        ]
      }
    ],
    "quotes": [
      "We do not require a minimum asset level or impose a minimum fee for our services.",
      "We do not require a minimum asset level or impose a minimum fee for our services."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    },
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "affiliated": false
    },
    {
      "name": "Raymond James & Associates, Inc.",
      "name_as_filed": "RAYMOND JAMES & ASSOCIATES, INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/pearl-planning-dexter-mi-336568.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 201,
      "fewer_than_5": false,
      "raum": 64143324.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 104,
      "fewer_than_5": false,
      "raum": 256376565.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": null,
      "fewer_than_5": true,
      "raum": 5217830.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": null,
      "fewer_than_5": true,
      "raum": 3267453.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": null,
      "fewer_than_5": true,
      "raum": 177454.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/336568",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}