# Planning Alternatives Ltd

> Planning Alternatives Ltd is an SEC-registered investment advisory firm in Birmingham, MI, registered since 1983, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated August 7, 2026.

- CRD: 110268
- Filed as: PLANNING ALTERNATIVES LTD
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Birmingham, MI
- Filing period: October 2026
- Form ADV filing dated: August 7, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/110268
- AdvisorCensus page: https://advisorcensus.com/firm/planning-alternatives-ltd-birmingham-mi-110268

## Quick answers

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

**Where is Planning Alternatives Ltd located?**
Planning Alternatives Ltd's principal office is in Birmingham, MI, according to its Form ADV; the September 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Planning Alternatives Ltd registered with the SEC or a state?**
Planning Alternatives Ltd is an SEC-registered investment advisory firm, registered since 1983. Status as filed: Approved. CRD 110268.

**How much does Planning Alternatives Ltd manage?**
Planning Alternatives Ltd reports $1,541,372,016 in regulatory assets under management in its Form ADV filing dated August 7, 2026 (100% discretionary).

**How have Planning Alternatives Ltd's assets and staff changed since 2021?**
In the Form ADV data for Planning Alternatives Ltd: Regulatory assets under management: $1,086,626,640 in the October 2021 data and $1,541,372,016 in the October 2026 data, up 42%. Total employees: 24 in October 2021 and 20 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Planning Alternatives Ltd serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (345); high net worth individuals (324); corporations or other businesses not listed above (13).

**Which custodians does Planning Alternatives Ltd use?**
Planning Alternatives Ltd's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Planning Alternatives Ltd 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/110268

**What changed in Planning Alternatives Ltd's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 11 to 9. Regulatory assets under management went from $1,283,122,581 to $1,541,372,016 (+20%).

## 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 7, 2026)

- Minimum annual fee: $5,000

> Minimum Annual Fee $5,000

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

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: $1,541,372,016
- Discretionary: $1,541,372,016
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 345 | $139,622,557 |
| High net worth individuals | 324 | $1,342,061,448 |
| 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) | 8 | $23,422,352 |
| Charitable organizations | 3 | $8,745,594 |
| 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 | 13 | $27,520,065 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 1983 (43 years)
- Employees: 20 total, 9 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, GA, IL, MA, MI, NC, NE, NH, OH, OR, TX, VA, WA, WY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- Jackson, WY
- Naples, FL

### Websites listed on Form ADV (Item 1.I)
- [open.spotify.com/show/2WQguGZ0SagVp3mzmEk9rL](https://open.spotify.com/show/2WQguGZ0SagVp3mzmEk9rL)
- [planningalt.com](https://planningalt.com)
- [podcasts.apple.com/us/podcast/day-in-a-canoe-podcast/id1376400571https:](https://podcasts.apple.com/us/podcast/day-in-a-canoe-podcast/id1376400571https:)
- Facebook @Day-in-a-Canoe-109945134866300
- Facebook @PLANNINGALTERNATIVES
- Instagram @dayinacanoe
- LinkedIn @PLANNING-ALTERNATIVES
- TikTok @dayinacanoe
- YouTube @UCeLQ7fPeKomf2Qwn5_57qHg
- YouTube @UCzFcbitpCLSqIuE_R9Mq60Q

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $1,086,626,640 | 24 | August 10, 2021 |
| October 2022 | $1,219,942,741 | 25 | September 14, 2022 |
| October 2023 | $1,020,424,265 | 24 | March 29, 2023 |
| October 2024 | $1,155,601,417 | 21 | September 18, 2024 |
| October 2025 | $1,283,122,581 | 24 | July 15, 2025 |
| October 2026 | $1,541,372,016 | 20 | August 7, 2026 |

Regulatory assets under management: $1,086,626,640 in the October 2021 data and $1,541,372,016 in the October 2026 data, up 42%.
Total employees: 24 in October 2021 and 20 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 11 to 9.
- Regulatory assets under management went from $1,283,122,581 to $1,541,372,016 (+20%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Planning Alternatives Ltd (CRD 110268): Form ADV filing data as of October 2026.