Plancorp, LLC
Plancorp, LLC is a fee-only, majority employee-owned RIA managing approximately $10.2 billion for high-net-worth individuals, ultra-high-net-worth families, corporate retirement plan sponsors, and business owners across 44-46 states, delivered through five offices and holistic wealth management services.
- Company typePrivate
- Founded1984
- HeadquartersSt Louis, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Plancorp, LLC does
Plancorp, LLC is a privately held, majority employee-owned registered investment adviser headquartered in St. Louis, Missouri, providing fee-only wealth management and institutional investment advisory services. Founded in 1983/1984 and operating for over 40 years, the firm manages approximately $10.2 billion in client assets and serves clients across 44-46 states through five physical offices (St. Louis, Fresno, Nashville, Sarasota, and the San Francisco Bay Area) plus virtual delivery. Its core offering is a holistic Wealth Management product that integrates financial planning, investment management, retirement planning, estate planning, tax strategy, insurance planning, charitable giving, and equity compensation advisory, with add-on modules for family office services, corporate retirement plans, business succession planning, and institutional asset management.
The firm operates on an evidence-based investment philosophy grounded in academic research, deploying globally diversified, low-cost ETF and fund portfolios. Plancorp's primary customer segments are high-net-worth individuals ($1M+ in investable assets), ultra-high-net-worth families, equity compensation recipients, business owners, and corporate retirement plan sponsors. A $12,000 minimum annual fee and AUM-based pricing (1% on the first $2M, declining at higher tiers) underpin the revenue model. Distribution is high-touch and content-driven, supported by The Long Term Investor Podcast, a blog and resource center, free whitepapers, and a Private Strategy Session consultation funnel. In March 2026 Plancorp completed its first major acquisition, Regency Investment Advisors, adding roughly $1B in AUM, 14 professionals, and a Fresno office. Operationally, the firm has integrated CogniCor's AI-powered Advisor Copilot to automate advisor workflows and reports a 97% client retention rate, 56 staff holding CFP, CPA, or CFA designations, and CEFEX certification held for over 15 years.
Plancorp, LLC firmographics
Firmographics- Name
- Plancorp, LLC
- Legal name
- Plancorp, LLC
- Website
- https://plancorp.com
- Company type
- Private
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Plancorp, LLC is a fee-only, majority employee-owned RIA managing approximately $10.2 billion for high-net-worth individuals, ultra-high-net-worth families, corporate retirement plan sponsors, and business owners across 44-46 states, delivered through five offices and holistic wealth management services.
- Ownership category
- akta.pro rank
Plancorp, LLC industry classification
Industry- Product category
- Wealth Management
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Comprehensive Financial Planning (FSAEAAAA)
- akta.pro secondary industries
- Financial Planning–Led RIAs (FSAAACAB), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Business Owner & Executive Financial Planning (FSAEAAAO), Estate & Legacy Planning Advisory (FSAEAAAG)
Keywords
Where Plancorp, LLC is headquartered
LocationHeadquarters
- HQ city
- St Louis
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Plancorp, LLC business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Advisory Fees (AUM-based): Plancorp charges annual fees calculated as a percentage of clients' total assets under management (AUM). This is a pure fee-only model with no commissions, kickbacks, or product-selling incentives. The firm is a fiduciary, ensuring advice is always in the client's best interest. Additional revenue may come from the growing AUM base following the Regency acquisition.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | AUM-based fee structure starting at 1% for the first $2 million |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels7 records
Plancorp, LLC product offering
Product offeringCore offering
Plancorp is a fee-only fiduciary wealth management firm delivering holistic financial planning and evidence-based investment management to high-net-worth individuals, families, business owners, and corporate plan sponsors. Services span financial planning, investment management, retirement planning, estate planning, tax strategy, insurance planning, charitable giving, and equity compensation management, supplemented by specialized modules for ultra-high-net-worth families (Family Office), 401(k)/Cash Balance plans, business succession, and institutional clients.
Product overview
Plancorp, LLC offers a unified wealth management platform centered on holistic financial planning and fiduciary investment management services. The core Wealth Management product integrates eight service areas: Financial Planning, Investment Management, Retirement Planning, Estate Planning, Tax Strategy, Insurance Planning, Charitable Giving, and Equity Compensation. Above this foundation, specialized modules address specific client segments including Family Office services for ultra-high-net-worth families, Corporate Retirement Plans for businesses, Business Succession Planning, and Institutional Asset Management for nonprofits and endowments. Supporting these core offerings is a suite of digital tools including RSU Tax Estimator, ESPP Calculator, Fee & Value Calculator, Financial Assessment Tool, and the Financial Independence Analysis (FIA) modeling tool. Investment guidance is delivered through content products including The Long Term Investor Podcast, the Invest by Age Series, and Evidence-Based Investment Insights Whitepaper.
Differentiator
Problem solved
Functional benefit
Products and services
- Wealth Management Holistic, fee-only financial planning and investment management service for high-net-worth individuals and families, integrating financial planning, investment management, retirement, estate, tax, insurance, charitable, and equity compensation advice through a dedicated advisory team.
- Family Office Services Bespoke services for ultra-high-net-worth families focused on legacy preservation, generational wealth transfer planning, and heir education.
- Corporate Retirement Plans Dedicated advisory team management of company-sponsored 401(k) and Cash Balance plans, delivered with full service and minimal fees for plan sponsors.
- Business Succession Planning Succession and exit strategy advisory that aligns the business owner's personal financial goals with a plan setting the business up for long-term success.
- Institutional Asset Management Financial planning and investment management services for nonprofits, endowments, and institutional organizations.
- Equity Compensation Services Specialized advisory helping clients maximize equity compensation benefits including stock options (ISOs/NSOs), restricted stock units (RSUs), and employee stock purchase plans (ESPPs), with tax planning and exercise strategies.
- Investment Management Evidence-based investment management following academic research principles, focused on deep diversification, long-term value creation, low-cost portfolios, and tax-efficient vehicles including low-cost ETF and fund partner implementations.
Quantifiable outcome
- 97% client retention rate
- +4 more outcomes
Companies that use Plancorp, LLC
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
Plancorp, LLC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability2 records
Feature1 record
Plancorp, LLC partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and operational.
- CogniCorcoreCogniCor provides AI-powered Advisor Copilot solution to Plancorp. The case study demonstrates that Plancorp saved 3 to 10 hours per day for advisor teams after implementing the solution for 28 days. The AI unified client information and automated meeting preparation and follow-up tasks, saving 45-60 minutes per meeting on preparation and approximately 60 minutes on follow-up activities.
- TD AmeritradeoperationalThird-party custodian for client assets. Client assets are held in separate accounts owned by the client, with TD Ameritrade providing independent account statements.
- Charles SchwaboperationalThird-party custodian for client assets. Client assets are held in separate accounts owned by the client.
- FidelityoperationalThird-party custodian for client assets. Client assets are held in separate accounts owned by the client.
Scale indicators8 records
Recent moves7 records
Expansion highlights6 records
Plancorp, LLC competitors and assessment
Company assessmentDirect peers
- Cambridge Investment Research: Large independent broker-dealer and RIA supporting affiliated financial advisors. Comparable in serving independent advisors with institutional-quality investment and planning resources.
- Mariner Wealth Advisors: National fee-only RIA serving HNW and UHNW clients with holistic financial planning and family office services. Comparable scale, fee structure, and integrated wealth management approach to Plancorp.
- Creative Planning: One of the largest independent fee-only RIAs in the U.S., serving HNW clients with comprehensive financial planning. Similar fiduciary model, recurring AUM-based fees, and broad integrated service offerings.
- Edelman Financial Engines: Large fee-only RIA with a strong retirement plan advisory business and HNW client services. Closely comparable in fee model, regulatory standing, and target client segments.
- Mercer Advisors: National RIA focused on HNW households with holistic planning, investment management, and tax services. Highly comparable in service mix, fee structure, and growth-via-acquisition strategy.
- Captrust: RIA providing investment advisory and retirement plan services to institutional and HNW clients. Comparable in retirement plan advisory, fiduciary model, and institutional/HNW mix.
- Moneta Group: Independent fee-only RIA serving HNW individuals and families with comprehensive planning. Similar size band, employee-ownership-adjacent structure, and integrated service model.
- Bessemer Trust: Private wealth and investment management firm focused exclusively on UHNW families. Highly comparable in family office services, multi-generational planning, and fee-based model for Plancorp's UHNW segment.
Broad incumbents
- Goldman Sachs Personal Financial Management: Wealth management arm of a major global bank, serving HNW and UHNW clients with comprehensive planning. Comparable in target client and service breadth, but operates as part of a much larger diversified financial institution.
- Charles Schwab Wealth Advisory: Schwab's advisory offering spanning robo-advice, dedicated advisors, and Schwab Private Client services. Overlapping client base and investment management capabilities, but embedded in a much larger brokerage and custodian platform.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Plancorp, LLC social profiles
Digital presencePlancorp, LLC compliance and trust
Trust signalCompliance1 record
Plancorp, LLC financial estimates
Financial estimateRevenue estimate
Valuation estimate
Plancorp, LLC leadership team
Management profileNumber of profiles
Profiles4 records
Plancorp, LLC subsidiaries and ownership
Company hierarchySubsidiaries1 record
Plancorp, LLC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Plancorp, LLC M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Plancorp, LLC
What does Plancorp, LLC do?
Plancorp is a fee-only fiduciary wealth management firm delivering holistic financial planning and evidence-based investment management to high-net-worth individuals, families, business owners, and corporate plan sponsors. Services span financial planning, investment management, retirement planning, estate planning, tax strategy, insurance planning, charitable giving, and equity compensation management, supplemented by specialized modules for ultra-high-net-worth families (Family Office), 401(k)/Cash Balance plans, business succession, and institutional clients.
Is Plancorp, LLC a public or private company?
Plancorp, LLC is a private company. It is classified as management employee owned and is currently operating.
When was Plancorp, LLC founded?
Plancorp, LLC was founded in 1984. It employs 101 to 250 people.
Where is Plancorp, LLC based?
Plancorp, LLC is headquartered in St Louis, United States, in the North America region.
How does Plancorp, LLC make money?
One revenue line is on record: advisory Fees (AUM-based).
Who are Plancorp, LLC's main competitors?
Direct peers on record are Cambridge Investment Research, Mariner Wealth Advisors, Creative Planning, Edelman Financial Engines, Mercer Advisors, Captrust, Moneta Group and Bessemer Trust. Broad incumbents are Goldman Sachs Personal Financial Management and Charles Schwab Wealth Advisory.
Does Plancorp, LLC have an API?
No public API is recorded for Plancorp, LLC.
What industry is Plancorp, LLC in?
Plancorp, LLC's product category is Wealth Management. Its primary akta.pro industry code is FSAEAAAA, Comprehensive Financial Planning, with a secondary code of FSAAACAB, Financial Planning–Led RIAs. Its NAICS code is 524292 and its SIC code is 6282.