{
  "crd_number": 146827,
  "slug": "plan2retire-hagerstown-md-146827",
  "primary_business_name": "PLAN2RETIRE",
  "legal_name": "BOWERS ADVISORY GROUP, LLC",
  "dbas": [],
  "city": "Hagerstown",
  "state": "MD",
  "country": "United States",
  "cbsa_code": "25180",
  "metro": {
    "cbsa_code": "25180",
    "common_name": "Hagerstown",
    "msa_name": "Hagerstown-Martinsburg, MD-WV",
    "path": "/advisors/md/hagerstown"
  },
  "registration_type": "state",
  "registration_status": "APPROVED",
  "registration_date": "2015-01-13",
  "years_registered": 11,
  "period": "2026-10-01",
  "filing_date": "2026-01-16",
  "carried_forward": false,
  "raum_total": 82000000.0,
  "raum_discretionary": 82000000.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "25m_100m",
  "raum_band_label": "$25 million to $100 million",
  "total_employees": 1,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 28000000.0,
      "count": 246
    },
    "high_net_worth_individuals": {
      "raum": 54000000.0,
      "count": 25
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "FL",
    "MD",
    "PA",
    "SC",
    "VA",
    "WV"
  ],
  "websites": [
    "https://bowersadvisory.com",
    "https://bowersadvisorygroup.com",
    "https://facebook.com/BowersAdvisoryGroupLLC",
    "https://linkedin.com/in/jeff-bowers-cfp",
    "https://plan2retire.com",
    "https://ready2retire.today",
    "https://ready2retire.us",
    "https://twitter.com/Bowers_Advisory",
    "https://youtube.com/channel/UCjuykVsu-Zj4jC9X4gN8Yzw"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/146827",
  "city_as_filed": "HAGERSTOWN",
  "url": "https://advisorcensus.com/firm/plan2retire-hagerstown-md-146827",
  "display_name": "PLAN2RETIRE",
  "summary": "PLAN2RETIRE is a state-registered investment advisory firm in Hagerstown, MD, registered since 2015, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated January 16, 2026.",
  "citation": "AdvisorCensus. PLAN2RETIRE (CRD 146827): Form ADV filing data as of October 2026.",
  "registration_type_label": "State-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",
    "Pension consulting services",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is PLAN2RETIRE compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), PLAN2RETIRE reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure."
    },
    {
      "q": "Where is PLAN2RETIRE located?",
      "a": "PLAN2RETIRE's principal office is in Hagerstown, MD, according to its Form ADV."
    },
    {
      "q": "Is PLAN2RETIRE registered with the SEC or a state?",
      "a": "PLAN2RETIRE is a state-registered investment advisory firm, registered since 2015. Status as filed: APPROVED. CRD 146827."
    },
    {
      "q": "How much does PLAN2RETIRE manage?",
      "a": "PLAN2RETIRE reports $82,000,000 in regulatory assets under management in its Form ADV filing dated January 16, 2026 (100% discretionary)."
    },
    {
      "q": "What types of clients does PLAN2RETIRE serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (246); high net worth individuals (25)."
    },
    {
      "q": "Does PLAN2RETIRE report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/146827"
    }
  ],
  "filing_history": [],
  "recent_changes": [],
  "fees_from_brochure": null,
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/plan2retire-hagerstown-md-146827.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 246,
      "fewer_than_5": false,
      "raum": 28000000.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 25,
      "fewer_than_5": false,
      "raum": 54000000.0
    }
  ],
  "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/146827",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}