# Return on Life Wealth Partners

> 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.

- CRD: 112879
- Filed as: RETURN ON LIFE WEALTH PARTNERS
- Legal name: Planned Financial Services, LLC
- Also doing business as: RETURN ON LIFE WEALTH PARTNERS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Cleveland, OH
- Filing period: October 2026
- Form ADV filing dated: February 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/112879
- AdvisorCensus page: https://advisorcensus.com/firm/return-on-life-wealth-partners-cleveland-oh-112879

## Quick answers

**How is Return on Life Wealth Partners compensated?**
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).

**How much does Return on Life Wealth Partners charge?**
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.

**Where is Return on Life Wealth Partners located?**
Return on Life Wealth Partners' principal office is in Cleveland, OH, according to its Form ADV.

**Is Return on Life Wealth Partners registered with the SEC or a state?**
Return on Life Wealth Partners is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 112879.

**How much does Return on Life Wealth Partners manage?**
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).

**How have Return on Life Wealth Partners' assets and staff changed since 2021?**
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.

**What types of clients does Return on Life Wealth Partners serve?**
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).

**Does Return on Life Wealth Partners 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/112879

**Does Return on Life Wealth Partners state an account minimum?**
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."

**What changed in Return on Life Wealth Partners' recent Form ADV filings?**
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.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Subscription fees (for a newsletter or periodical)
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 25, 2026)

- Account minimum: None

> We do not require a minimum dollar amount to open and maintain an advisory account.

- Hourly rate: $325 an hour (Defined Benefit/Defined Contribution Hourly Consulting)

> Fees are based on an hourly rate of $325.00 per hour, subject to change at any time with notice to the client.

- Flat fee: $1,500 to $10,000 (Individuals- Fixed fees for projects)

> Fixed fees for projects generally range from $1,500 to $10,000 but may exceed $10,000 depending on the complexity of a plan.

- Subscription: $5,000 to $20,000 a year (Retainer engagements)

> Retainer engagements typically range from $5,000 to $20,000 annually (billed quarterly in advance).

- Flat fee: $400 (Tax preparation engagement)

> The Minimum fixed fee for tax preparation engagement is $400.00.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Regulatory assets under management (Item 5.F)
- Total: $472,512,140
- Discretionary: $412,787,982
- Non-discretionary: $59,724,158

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 167 | $70,146,854 |
| High net worth individuals | 88 | $342,641,128 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 29 | $59,724,158 |

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

### Firm details
- Registered since: 2017 (9 years)
- Employees: 13 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, MD, NY, OH, OR, PA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- 401kprosperity.com
- plannedfinancial.com
- returnonlifewealth.com
- Facebook @FrankFantozziReturnOnLifeWealth
- Facebook @ReturnOnLifeWealth
- Facebook @frank.fantozzi
- LinkedIn @return-on-life-wealth
- X @return_onlife
- X @plannedfinan
- YouTube @plannedfinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $299,534,345 | 11 | March 31, 2021 |
| October 2022 | $383,614,887 | 9 | May 8, 2022 |
| October 2023 | $352,374,986 | 11 | October 2, 2023 |
| October 2024 | $368,213,298 | 11 | September 3, 2024 |
| October 2025 | $392,229,187 | 12 | March 31, 2025 |
| October 2026 | $472,512,140 | 13 | February 25, 2026 |

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.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $392,229,187 to $472,512,140 (+20%).
- Registered or notice-filed in NY, OR.

### January 2026
- No longer registered or notice-filed in NY.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Return on Life Wealth Partners (CRD 112879): Form ADV filing data as of October 2026.