Planned Financial Services

What Planned Financial Services does

Planned Financial Services, LLC, doing business as Return on Life® Wealth Partners, is a SEC-registered investment adviser (RIA) headquartered in Brecksville, Ohio, that has operated continuously since 1994. The firm provides wealth management and financial planning services to high-net-worth individuals, business owners, and foundations/endowments across Ohio. Its service portfolio spans investment management, comprehensive financial planning, tax planning, estate and legacy planning, family office–level services (Complete Family Office (CFO)® and Personal CFO™), business owner advisory (including STAR®, exit planning, buy-sell agreement funding, and 401(k) Prosperity®), and specialized offerings such as DivorceRight® and Balancing Act™ Bill Management. The firm anchors its practice in a trademarked "Return on Life®" philosophy that frames wealth management around personal fulfillment rather than asset accumulation, supported by the "ROL Advantage Network" of partner firms in accounting, legal, banking, insurance, M&A, and trust administration.

The firm does not operate a proprietary technology platform. Client servicing, custody, and reporting are delivered through established third-party infrastructure: LPL Financial's Account View for brokerage account access, Emaplan's WealthVision for consolidated client reporting, and Charles Schwab's Schwab Alliance for custodial account management. Distribution, thought leadership, and lead generation are supported by a "Frank Wealth Insights" podcast, the "Frank Talk" quarterly newsletter, and a digital marketing arrangement with Lead Science. The technology stack is therefore typical of mid-sized independent RIAs — composed of vendor platforms rather than internally engineered systems. No proprietary AI/ML capabilities, APIs, or patents beyond brand trademarks are disclosed, and the firm holds multiple registered trademarks (Return on Life®, Personal CFO™, STAR®, DivorceRight®, Balancing Act™, 401(k) Prosperity®, Complete Family Office (CFO)®, among others) used to segment and market services.

Revenue is generated predominantly through recurring advisory fees on assets under management (AUM) and/or fee-for-service financial planning arrangements, consistent with industry norms for SEC-registered RIAs. Specific pricing and fee schedules are not publicly disclosed; prospective clients are routed through a free initial consultation as the primary acquisition touchpoint. Go-to-market is sales-led and relationship-driven, relying on direct advisor outreach to HNW individuals and business owners, supplemented by client referrals (an "Introduce a Friend" program), community involvement (EO Cleveland, Weatherhead 100), and earned media coverage (Fox News, The Wall Street Journal, USA Today). Multiple advisors hold Forbes Best-in-State Wealth Advisor and Best-in-State Wealth Management Team recognitions, including the 2026 awards, supporting advisor-driven credibility rather than mass-market scale.

Name

Planned Financial Services

Legal name

Planned Financial Services, LLC

Website

https://plannedfinancial.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Planned Financial Services (dba Return on Life® Wealth Partners) is a Brecksville, Ohio-based SEC-registered investment adviser founded in 1994 that provides wealth management, financial planning, tax, estate, and family-office services to high-net-worth individuals, business owners, and foundations in Ohio.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Business Owner & Executive Financial Planning (FSAEAAAO), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE)

Keywords

• Wealth management services
• Financial planning advisory
• Investment management
• Estate planning services
• Business succession planning

Headquarters

HQ city

Brecksville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Investment Advisory Services: SEC-registered investment adviser (RIA) providing comprehensive wealth management services including investment management, financial planning, tax planning, and estate planning. Revenue is generated through advisory fees, likely AUM-based or fee-for-service financial planning arrangements.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Planned Financial Services, operating as Return on Life® Wealth Partners, is an SEC-registered investment adviser that provides holistic wealth management services to high-net-worth individuals, business owners, and foundations/endowments. Its core offerings integrate investment management, comprehensive financial planning, tax planning, estate and legacy planning, and family office services under a trademarked Return on Life® philosophy that aligns wealth management with personal life goals.

Product overview

Return on Life Wealth Partners is a holistic wealth management firm operating as an SEC-registered investment adviser (RIA) under Planned Financial Services. Its core platform is the Return on Life® advisory philosophy — a life-centered approach that integrates financial planning with personal fulfillment goals. The offering portfolio spans individual private wealth management (investment management, tax planning, estate planning), family office services (Complete Family Office CFO® and Personal CFO™), business owner solutions (STAR®, exit planning, buy-sell agreements, 401(k) Prosperity®), and specialized services (DivorceRight®, Balancing Act™ bill management, Life Take 2). These are supplemented by the ROL Advantage Network, which coordinates introductions to third-party service providers (insurance, CPAs, attorneys, lenders, trust administrators, M&A/valuation professionals). The firm also provides a Second Opinion service, institutional services for foundations and endowments, and publishes a podcast series (Frank Wealth Insights).

Differentiator

Problem solved

Functional benefit

Products and services

• Private Wealth Services Comprehensive wealth management for individuals including investment management, comprehensive financial planning, tax planning, estate and legacy planning, and family office services. Designed for wealth creators who desire a life well lived.
• Complete Family Office (CFO)® Trademarked family office-level service offering integrated financial oversight and coordination across all wealth dimensions for high-net-worth families.
• Personal CFO™ Trademarked chief financial officer-level advisory relationship for personal finances, providing strategic financial guidance and ongoing coordination.
• STAR® Trademarked specialized advisory service for business owners focused on strategic planning and wealth optimization within their business interests.
• DivorceRight® Trademarked specialized financial planning and advisory service for individuals navigating divorce, addressing asset division, cash flow, and financial transitions.
• Balancing Act™ Bill Management Trademarked bill management and financial organization service helping clients manage ongoing expenses and cash flow optimization.
• Life Take 2 Financial planning program for individuals experiencing major life transitions, designed to help restructure financial plans around new life circumstances.
• Business Owner Solutions Suite of advisory services for business owners including business exit planning, buy-sell agreement funding, and 401(k) Prosperity® for business succession and retirement planning.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and supporting.

• CPA NetworkcoreOthersThe ROL Advantage Network includes introductions to Certified Public Accountants (CPAs) for tax planning and preparation services. This partnership provides clients with integrated tax and financial planning services.
• Attorney NetworkcoreOthersThe ROL Advantage Network includes introductions to attorneys for estate planning, legal documentation, and business legal matters. This partnership enables comprehensive planning beyond financial services.
• Banking PartnerssupportingOthersThe ROL Advantage Network includes bank introductions for mortgage funding and other lending options. Provides clients with access to financing solutions through established banking relationships.
• Insurance PartnerssupportingOthersThe ROL Advantage Network includes health insurance, property, casualty, and liability insurance services. Provides clients with comprehensive risk management through insurance partnerships.
• LPL Financial (Account View)supportingTechnology or IntegrationClient account access through Account View platform powered by LPL Financial, a leading independent broker-dealer. Provides clients with secure access to view their investment accounts.
• Emaplan (WealthVision)supportingTechnology or IntegrationClient reporting and account management through WealthVision platform by Emaplan. Provides consolidated reporting and account access for wealth management clients.
• Charles Schwab (Schwab Alliance)supportingTechnology or IntegrationClient account access through Schwab Alliance platform. Some client assets are custodied at Charles Schwab, providing institutional-grade account management and reporting.
• Lead SciencesupportingGTM or Marketing PartnerDigital marketing services provider supporting the firm's online presence and lead generation efforts.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Edward Jones: National full-service wealth management firm serving individuals and business owners with investment advisory, retirement, and estate services — broader portfolio and scale than Planned Financial.
• Edelman Financial Engines: Large national RIA combining traditional wealth advisory with technology-driven planning for HNW and mass-affluent households — broader scale and tech-enabled offering versus Planned Financial.

Regional players

• Verdence Capital Advisors: Mid-Atlantic independent RIA offering wealth management and financial planning to HNW clients and business owners — comparable in scale and planning-led service model.
• MAI Capital Management: Cleveland-based independent RIA serving HNW individuals and business owners with wealth management and family office services — same regional Midwest geography and similar client segments.

Direct peers

• Savant Wealth Management: Mid-sized independent RIA serving HNW individuals, families, and business owners with investment, tax, and estate planning — directly comparable in scale and client mix.
• Hightower Advisors: RIA platform serving HNW individuals, families, and business owners with wealth management, business advisory, and estate services — closely comparable client segments and service depth.
• Mariner Wealth Advisors: Large independent RIA providing comprehensive wealth management, tax, estate, and family office services to HNW individuals and business owners — directly overlapping Planned Financial's core offering and business-owner focus.
• Buckingham Strategic Wealth: Independent, planning-led RIA for HNW households and business owners offering investment, tax, and estate planning — comparable philosophy of advice-first comprehensive planning.
• Carson Wealth: Independent RIA group providing comprehensive wealth management and business owner advisory services, including exit planning and 401(k) solutions — directly comparable to Planned Financial's business-owner offerings.
• Creative Planning: Independent, comprehensive financial planning RIA serving HNW clients and business owners nationwide with investment, tax, estate, and retirement services — same holistic planning-led model as Planned Financial.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/playlist?list=PLWgP6s384iO6ezbNcvRpcQWaBmnpXEII_
• Xx.com/plannedfinan
• LinkedInlinkedin.com/company/planned-financial-services

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Planned Financial Services