# The Practical Planner

> The Practical Planner is an SEC-registered investment advisory firm in Groton, MA, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 26, 2026.

- CRD: 130601
- Filed as: THE PRACTICAL PLANNER
- Legal name: The Practical Planner, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Groton, MA
- Filing period: October 2026
- Form ADV filing dated: February 26, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/130601
- AdvisorCensus page: https://advisorcensus.com/firm/the-practical-planner-groton-ma-130601

## Quick answers

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

**How much does The Practical Planner charge?**
Its Form ADV Part 2A brochure dated February 26, 2026 states: Hourly rate: $200 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is The Practical Planner located?**
The Practical Planner's principal office is in Groton, MA, according to its Form ADV.

**Is The Practical Planner registered with the SEC or a state?**
The Practical Planner is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 130601.

**How much does The Practical Planner manage?**
The Practical Planner reports $145,318,074 in regulatory assets under management in its Form ADV filing dated February 26, 2026 (100% discretionary).

**How have The Practical Planner's assets and staff changed since 2024?**
In the Form ADV data for The Practical Planner: Regulatory assets under management: $108,896,459 in the October 2024 data and $145,318,074 in the October 2026 data, up 33%. Total employees: 2 in October 2024 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does The Practical Planner serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (54); individuals (other than high net worth individuals) (12).

**Which custodians does The Practical Planner use?**
The Practical Planner's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does The Practical Planner 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/130601

**What changed in The Practical Planner's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $125,483,477 to $145,318,074 (+16%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated February 26, 2026)

- Hourly rate: $200 an hour (financial planning services)

> Fees for our planning services are based on an hourly rate of $200.00 per hour, due at time the service is completed.

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.

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: $145,318,074
- Discretionary: $145,318,074
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 12 | $11,894,769 |
| High net worth individuals | 54 | $133,423,305 |

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

### Firm details
- Registered since: 2024 (2 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MA, NH
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- practicalplanner.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $108,896,459 | 2 | March 18, 2024 |
| October 2025 | $125,483,477 | 2 | February 26, 2025 |
| October 2026 | $145,318,074 | 2 | February 26, 2026 |

Regulatory assets under management: $108,896,459 in the October 2024 data and $145,318,074 in the October 2026 data, up 33%.
Total employees: 2 in October 2024 and 2 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $125,483,477 to $145,318,074 (+16%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. The Practical Planner (CRD 130601): Form ADV filing data as of October 2026.