# PLAN2RETIRE

> 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.

- CRD: 146827
- Legal name: Bowers Advisory Group, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Hagerstown, MD
- Filing period: October 2026
- Form ADV filing dated: January 16, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/146827
- AdvisorCensus page: https://advisorcensus.com/firm/plan2retire-hagerstown-md-146827

## Quick answers

**How is PLAN2RETIRE compensated?**
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.

**Where is PLAN2RETIRE located?**
PLAN2RETIRE's principal office is in Hagerstown, MD, according to its Form ADV.

**Is PLAN2RETIRE registered with the SEC or a state?**
PLAN2RETIRE is a state-registered investment advisory firm, registered since 2015. Status as filed: APPROVED. CRD 146827.

**How much does PLAN2RETIRE manage?**
PLAN2RETIRE reports $82,000,000 in regulatory assets under management in its Form ADV filing dated January 16, 2026 (100% discretionary).

**What types of clients does PLAN2RETIRE serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (246); high net worth individuals (25).

**Does PLAN2RETIRE report any disciplinary disclosures?**
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

## From the Form ADV filing

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

### Regulatory assets under management (Item 5.F)
- Total: $82,000,000
- Discretionary: $82,000,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 246 | $28,000,000 |
| High net worth individuals | 25 | $54,000,000 |

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

### Firm details
- Registered since: 2015 (11 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MD, PA, SC, VA, WV
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- bowersadvisory.com
- bowersadvisorygroup.com
- plan2retire.com
- ready2retire.today
- ready2retire.us
- Facebook @BowersAdvisoryGroupLLC
- LinkedIn @jeff-bowers-cfp
- X @Bowers_Advisory
- YouTube @UCjuykVsu-Zj4jC9X4gN8Yzw

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. PLAN2RETIRE (CRD 146827): Form ADV filing data as of October 2026.