# S.e.e.d. Planning Group, LLC

> S.e.e.d. Planning Group, LLC is an SEC-registered investment advisory firm in Binghamton, NY, registered since 2015, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated July 28, 2026.

- CRD: 188521
- Filed as: S.E.E.D. PLANNING GROUP, LLC
- Also doing business as: SIFT INVESTMENT MANAGEMENT, SUITE(K)
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Binghamton, NY
- Filing period: October 2026
- Form ADV filing dated: July 28, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/188521
- AdvisorCensus page: https://advisorcensus.com/firm/s-e-e-d-planning-group-llc-binghamton-ny-188521

## Quick answers

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

**What does S.e.e.d. Planning Group, LLC's brochure say about its fees?**
Its Form ADV Part 2A brochure dated July 28, 2026 states: Asset-based fee: up to 2% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is S.e.e.d. Planning Group, LLC located?**
S.e.e.d. Planning Group, LLC's principal office is in Binghamton, NY, according to its Form ADV; the August 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is S.e.e.d. Planning Group, LLC registered with the SEC or a state?**
S.e.e.d. Planning Group, LLC is an SEC-registered investment advisory firm, registered since 2015. Status as filed: Approved. CRD 188521.

**How much does S.e.e.d. Planning Group, LLC manage?**
S.e.e.d. Planning Group, LLC reports $567,976,608 in regulatory assets under management in its Form ADV filing dated July 28, 2026 (100% discretionary).

**How have S.e.e.d. Planning Group, LLC's assets and staff changed since 2021?**
In the Form ADV data for S.e.e.d. Planning Group, LLC: Regulatory assets under management: $239,883,391 in the October 2021 data and $567,976,608 in the October 2026 data, up 137%. Total employees: 12 in October 2021 and 28 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does S.e.e.d. Planning Group, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (566); high net worth individuals (182); charitable organizations (10).

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

**Does S.e.e.d. Planning Group, LLC 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/188521

**What changed in S.e.e.d. Planning Group, LLC's recent Form ADV filings?**
In the June 2026 filing data: No longer lists the business name Sprout. No longer lists the business name S.e.e.d. Wealth Management.

## 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 July 28, 2026)

- Asset-based fee: up to 2% of assets a year (the maximum the brochure states)

> Investment advisory fees may be as high as 2% per annum with a minimum fee of $2,500 may be applicable. Fees are based on each client’s Scope of Work.

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.
- National Financial 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: $567,976,608
- Discretionary: $567,976,608
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 566 | $141,715,607 |
| High net worth individuals | 182 | $415,297,125 |
| 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) | 0 | $0 |
| Charitable organizations | 10 | $9,451,990 |
| 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 | 5 | $1,511,886 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2015 (11 years)
- Employees: 28 total, 18 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, MA, NC, NY, OH, PA, SC, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Knoxville, TN
- Syracuse, NY

### Websites listed on Form ADV (Item 1.I)
- 401ktime.com
- seedpg.com
- seedplanninggroup.com
- siftinvesting.com
- Facebook @SEEDpg
- Facebook @siftinvesting
- Instagram @seedpg
- Instagram @sift_stack
- LinkedIn @seedpg
- YouTube @SiftStackPodcast
- YouTube @UCu82T71P45GL3Bobcy7Vf-A

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $239,883,391 | 12 | September 3, 2021 |
| October 2022 | $329,916,002 | 24 | August 4, 2022 |
| October 2023 | $351,350,025 | 27 | July 3, 2023 |
| October 2024 | $422,957,777 | 14 | August 1, 2024 |
| October 2025 | $490,907,135 | 31 | July 2, 2025 |
| October 2026 | $567,976,608 | 28 | July 28, 2026 |

Regulatory assets under management: $239,883,391 in the October 2021 data and $567,976,608 in the October 2026 data, up 137%.
Total employees: 12 in October 2021 and 28 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- No longer lists the business name Sprout.
- No longer lists the business name S.e.e.d. Wealth Management.

### April 2026
- Updated its list of owners and control persons (Schedule A).

### March 2026
- Employees performing advisory functions went from 17 to 18.
- Regulatory assets under management went from $490,907,135 to $567,976,608 (+16%).
- Updated its list of owners and control persons (Schedule A).

### February 2026
- Updated its list of owners and control persons (Schedule A).

### January 2026
- No longer registered or notice-filed in CT, OR.

### November 2025
- Added the business name Sift Investment Management.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. S.e.e.d. Planning Group, LLC (CRD 188521): Form ADV filing data as of October 2026.