{
  "crd_number": 112879,
  "slug": "return-on-life-wealth-partners-cleveland-oh-112879",
  "primary_business_name": "RETURN ON LIFE WEALTH PARTNERS",
  "legal_name": "PLANNED FINANCIAL SERVICES, LLC",
  "dbas": [
    "RETURN ON LIFE WEALTH PARTNERS"
  ],
  "city": "Cleveland",
  "state": "OH",
  "country": "United States",
  "cbsa_code": "17410",
  "metro": {
    "cbsa_code": "17410",
    "common_name": "Cleveland",
    "msa_name": "Cleveland, OH",
    "path": "/advisors/oh/cleveland"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2017-03-14",
  "years_registered": 9,
  "period": "2026-10-01",
  "filing_date": "2026-02-25",
  "carried_forward": false,
  "raum_total": 472512140.0,
  "raum_discretionary": 412787982.0,
  "raum_non_discretionary": 59724158.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 13,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 70146854.0,
      "count": 167
    },
    "pension_profit_sharing": {
      "raum": 59724158.0,
      "count": 29
    },
    "high_net_worth_individuals": {
      "raum": 342641128.0,
      "count": 88
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum",
    "subscription"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "FL",
    "MD",
    "NY",
    "OH",
    "OR",
    "PA",
    "TX"
  ],
  "websites": [
    "https://401kprosperity.com",
    "https://facebook.com/FrankFantozziReturnOnLifeWealth",
    "https://facebook.com/ReturnOnLifeWealth",
    "https://facebook.com/frank.fantozzi",
    "https://linkedin.com/company/return-on-life-wealth",
    "https://plannedfinancial.com",
    "https://returnonlifewealth.com",
    "https://twitter.com/@return_onlife",
    "https://x.com/plannedfinan",
    "https://youtube.com/user/plannedfinancial"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/112879",
  "city_as_filed": "CLEVELAND",
  "url": "https://advisorcensus.com/firm/return-on-life-wealth-partners-cleveland-oh-112879",
  "display_name": "Return on Life Wealth Partners",
  "summary": "Return on Life Wealth Partners is an SEC-registered investment advisory firm in Cleveland, OH, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 25, 2026.",
  "citation": "AdvisorCensus. Return on Life Wealth Partners (CRD 112879): 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",
    "Subscription fees (for a newsletter or periodical)",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Return on Life Wealth Partners compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Return on Life Wealth Partners reports these compensation arrangements: a percentage of assets under its management; hourly charges; subscription fees (for a newsletter or periodical); fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Return on Life Wealth Partners charge?",
      "a": "Its Form ADV Part 2A brochure dated February 25, 2026 states: Hourly rate: $325 an hour (Defined Benefit/Defined Contribution Hourly Consulting); Flat fee: $1,500 to $10,000 (Individuals- Fixed fees for projects); Subscription: $5,000 to $20,000 a year (Retainer engagements); Flat fee: $400 (Tax preparation engagement). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Return on Life Wealth Partners located?",
      "a": "Return on Life Wealth Partners' principal office is in Cleveland, OH, according to its Form ADV."
    },
    {
      "q": "Is Return on Life Wealth Partners registered with the SEC or a state?",
      "a": "Return on Life Wealth Partners is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 112879."
    },
    {
      "q": "How much does Return on Life Wealth Partners manage?",
      "a": "Return on Life Wealth Partners reports $472,512,140 in regulatory assets under management in its Form ADV filing dated February 25, 2026 (87% discretionary)."
    },
    {
      "q": "How have Return on Life Wealth Partners' assets and staff changed since 2021?",
      "a": "In the Form ADV data for Return on Life Wealth Partners: Regulatory assets under management: $299,534,345 in the October 2021 data and $472,512,140 in the October 2026 data, up 58%. Total employees: 11 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Return on Life Wealth Partners serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (167); high net worth individuals (88); pension and profit sharing plans (but not the plan participants or government pension plans) (29)."
    },
    {
      "q": "Does Return on Life Wealth Partners 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/112879"
    },
    {
      "q": "Does Return on Life Wealth Partners state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated February 25, 2026 says: \"We do not require a minimum dollar amount to open and maintain an advisory account.\""
    },
    {
      "q": "What changed in Return on Life Wealth Partners' recent Form ADV filings?",
      "a": "In the March 2026 filing data: Regulatory assets under management went from $392,229,187 to $472,512,140 (+20%). Registered or notice-filed in NY, OR."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 299534345.0,
      "total_employees": 11,
      "filing_date": "2021-03-31"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 383614887.0,
      "total_employees": 9,
      "filing_date": "2022-05-08"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 352374986.0,
      "total_employees": 11,
      "filing_date": "2023-10-02"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 368213298.0,
      "total_employees": 11,
      "filing_date": "2024-09-03"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 392229187.0,
      "total_employees": 12,
      "filing_date": "2025-03-31"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 472512140.0,
      "total_employees": 13,
      "filing_date": "2026-02-25"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $392,229,187 to $472,512,140 (+20%).",
        "Registered or notice-filed in NY, OR."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "No longer registered or notice-filed in NY."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 25, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $325 an hour (Defined Benefit/Defined Contribution Hourly Consulting)",
      "Flat fee: $1,500 to $10,000 (Individuals- Fixed fees for projects)",
      "Subscription: $5,000 to $20,000 a year (Retainer engagements)",
      "Flat fee: $400 (Tax preparation engagement)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We do not require a minimum dollar amount to open and maintain an advisory account."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $325 an hour (Defined Benefit/Defined Contribution Hourly Consulting)"
        ],
        "quotes": [
          "Fees are based on an hourly rate of $325.00 per hour, subject to change at any time with notice to the client."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,500 to $10,000 (Individuals- Fixed fees for projects)"
        ],
        "quotes": [
          "Fixed fees for projects generally range from $1,500 to $10,000 but may exceed $10,000 depending on the complexity of a plan."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $5,000 to $20,000 a year (Retainer engagements)"
        ],
        "quotes": [
          "Retainer engagements typically range from $5,000 to $20,000 annually (billed quarterly in advance)."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $400 (Tax preparation engagement)"
        ],
        "quotes": [
          "The Minimum fixed fee for tax preparation engagement is $400.00."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 325.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Defined Benefit/Defined Contribution Hourly Consulting"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 1500.0,
          "max": 10000.0,
          "period": "one_time",
          "service": "Individuals- Fixed fees for projects"
        },
        {
          "kind": "subscription",
          "amount": null,
          "min": 5000.0,
          "max": 20000.0,
          "period": "annual",
          "service": "Retainer engagements"
        },
        {
          "kind": "flat",
          "amount": 400.0,
          "min": null,
          "max": null,
          "period": "one_time",
          "service": "Tax preparation engagement"
        }
      ]
    },
    "quotes": [
      "We do not require a minimum dollar amount to open and maintain an advisory account.",
      "Fees are based on an hourly rate of $325.00 per hour, subject to change at any time with notice to the client.",
      "Fixed fees for projects generally range from $1,500 to $10,000 but may exceed $10,000 depending on the complexity of a plan.",
      "Retainer engagements typically range from $5,000 to $20,000 annually (billed quarterly in advance).",
      "The Minimum fixed fee for tax preparation engagement is $400.00."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/return-on-life-wealth-partners-cleveland-oh-112879.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 167,
      "fewer_than_5": false,
      "raum": 70146854.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 88,
      "fewer_than_5": false,
      "raum": 342641128.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 29,
      "fewer_than_5": false,
      "raum": 59724158.0
    }
  ],
  "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/112879",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}