# Pearl Planning

> 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.

- CRD: 336568
- Filed as: PEARL PLANNING
- Legal name: Pearl Planning, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Dexter, MI
- Filing period: October 2026
- Form ADV filing dated: August 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/336568
- AdvisorCensus page: https://advisorcensus.com/firm/pearl-planning-dexter-mi-336568

## Quick answers

**How is Pearl Planning compensated?**
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).

**How much does Pearl Planning charge?**
Its Form ADV Part 2A brochure dated August 21, 2026 states: Flat fee: $500 to $15,000 (stand-alone financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Pearl Planning located?**
Pearl Planning's principal office is in Dexter, MI, according to its Form ADV.

**Is Pearl Planning registered with the SEC or a state?**
Pearl Planning is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 336568.

**How much does Pearl Planning manage?**
Pearl Planning reports $329,182,626 in regulatory assets under management in its Form ADV filing dated August 21, 2026 (100% discretionary).

**How have Pearl Planning's assets and staff changed since 2025?**
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.

**What types of clients does Pearl Planning serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (201); high net worth individuals (104).

**Which custodians does Pearl Planning use?**
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.

**Does Pearl 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/336568

**Does Pearl Planning state an account minimum?**
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."

**What changed in Pearl Planning's recent Form ADV filings?**
In the July 2026 filing data: Registered or notice-filed in CO, GA.

## 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 August 21, 2026)

- Account minimum: None

> We do not require a minimum asset level or impose a minimum fee for our services.

- Minimum annual fee: None

> We do not require a minimum asset level or impose a minimum fee for our services.

- Flat fee: $500 to $15,000 (stand-alone financial planning services)

> Stand-alone financial planning services are fixed or hourly and defined in the financial planning agreement. Fixed fees range from $500 to $15,000, a nd hourly fees are $3 50 per hour.

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.
- Fidelity Brokerage Services LLC
- Raymond James & Associates, 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: $329,182,626
- Discretionary: $329,182,626
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 201 | $64,143,324 |
| High net worth individuals | 104 | $256,376,565 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $5,217,830 |
| Charitable organizations | Fewer than 5 | $3,267,453 |
| Corporations or other businesses not listed above | Fewer than 5 | $177,454 |

### 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)

### Firm details
- Registered since: 2025 (1 year)
- Employees: 7 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, GA, MI, NY, OR, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- pearlplanning.com
- Facebook @PearlPlanningWealth
- Instagram @pearlplanningfinancial
- LinkedIn @pearlplanningwealth
- LinkedIn @melissanjoy
- X @MelissaJoyCFP

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $0 | 3 | July 18, 2025 |
| October 2026 | $329,182,626 | 7 | August 21, 2026 |

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.

## Changes in the filing (last 12 months)

### July 2026
- Registered or notice-filed in CO, GA.

### April 2026
- Employees performing advisory functions went from 3 to 4.
- Registered or notice-filed in VA.

### December 2025
- Regulatory assets under management went from $0 to $312,767,208.
- Registered or notice-filed in CA, FL, NY, OR, TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Pearl Planning (CRD 336568): Form ADV filing data as of October 2026.