Planned Strategies

What Planned Strategies does

Planned Strategies, Inc. is a privately held financial advisory firm headquartered at 770 Dedham Street, Canton, Massachusetts, serving employers, plan sponsors, employees, unions, and non-profit organizations across the Northeast United States. The firm operates as a two-principal practice led by President Kevin F. Harrington, Sr. (30+ years in insurance and investments) and Vice President Kevin M. Harrington, Jr. (20+ years of advisory services to 100+ organizations), and delivers an open-architecture menu of retirement plans (401(k), 403(b), 401(a)), group insurance (Life, AD&D, STD, LTD), and value-added employee benefits including FMLA administration, identity theft monitoring, and retiree drug subsidy audit services.

The firm generates revenue through three channels: securities commissions earned via its broker-dealer partner Advisory Group Equity Services, Ltd. (FINRA/SIPC member), investment advisory fees routed through Trust Advisory Group, Ltd. (a registered investment advisor), and partner-mediated service fees for FMLA administration (FMLASource, a ComPsych subsidiary), identity theft monitoring (InfoArmor), and contingency-based RDS reopening audits (RDS Services, LLC). It operates a sales-led, relationship-driven GTM in which the two principals personally serve clients, supported by standard employee interaction tools (education, collateral, phone and web-based support). There is no proprietary technology platform, no AI/ML capability, no mobile app, and no disclosed external funding.

Planned Strategies is a micro-cap, family-managed advisory practice with 1-10 employees, no parent company, no subsidiaries, and no disclosed investors. The firm has operated continuously for over two decades and competes in the small/mid employer retirement and benefits advisory segment, where its primary differentiation is the absence of proprietary product constraints combined with access to a wide range of investment and insurance products through its intermediary partnerships.

Name

Planned Strategies

Legal name

Planned Strategies, Inc.

Website

https://plannedstrategiesinc.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Planned Strategies, Inc. is a privately held, family-managed financial advisory firm in Canton, MA that delivers retirement plans, group insurance, and value-added employee benefits to employers, unions, and non-profits across the Northeast United States.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Direct Health and Medical Insurance Carriers (524114), Pension Funds (525110)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro industry

PRIMARYFSAEABAE

Employer Retirement Plan Advisory (401(k)/Pension)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEAAAD

Retirement & Pension Planning (401(k)/IRA)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEABAF

Retirement Plan Participant Advice & Managed Accounts

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAI

Retirement Benefits & Social Security/Medicare Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Financial advisory services
• Retirement plan administration
• Group insurance brokerage
• Employer benefits consulting
• Investment advisory

Headquarters

HQ city

Canton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Securities brokerage commissions: Securities are offered through Advisory Group Equity Services, Ltd., a full-service broker-dealer firm. The firm earns commissions on securities transactions including 401(k), 403(b), 401(a), and other investment products.
2. Investment advisory fees: Investment advisory services are offered through Trust Advisory Group, Ltd., a registered investment advisor, generating fee-based revenue for advisory services.
3. FMLA administration services: Provides FMLA administration through FMLASource partnership, with services potentially generating fees based on cost savings achieved for clients.
4. Identity theft monitoring: Offers identity theft monitoring through InfoArmor partnership, providing plans to employees with associated service fees.
5. RDS audit services: RDS Services performs retiree drug subsidy reopening audits with fees structured as a portion of recoveries - no recovery means no fee.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Planned Strategies provides tailored investment strategies, retirement planning, group insurance products, and value-added employer-sponsored benefits services. The firm offers retirement plans (401(k), 403(b), 401(a)), group insurance (Life, AD&D, STD, LTD), and partner-delivered services such as FMLA administration, identity theft monitoring, and retiree drug subsidy audit services to businesses, unions, and non-profit organizations.

Product overview

Planned Strategies is a financial services firm offering a unified suite of retirement planning, insurance, and employee benefit administration services. The core offerings include retirement plans (401(k), 403(b), 401(a)) and group insurance products (Life, AD&D, STD, LTD), complemented by employer-sponsored benefit services such as FMLA administration, identity theft monitoring, and retiree drug subsidy audit services. The company provides these through strategic partnerships with service providers (FMLASource, InfoArmor, RDS Services) while securities are offered through Advisory Group Equity Services, Ltd. and investment advisory through Trust Advisory Group, Ltd.

Differentiator

Problem solved

Functional benefit

Products and services

• 401(k) Retirement Plan Employer-sponsored defined contribution retirement plan allowing employees to save and invest a portion of their paycheck before taxes are taken out. Designed for businesses, plan sponsors, and employees served by Planned Strategies.
• 403(b) Retirement Plan Tax-advantaged retirement plan for employees of public schools, certain non-profits, and churches. Offered to employer and organization clients through Planned Strategies.
• 401(a) Retirement Plan Employer-funded retirement plan offering contribution flexibility with potential for immediate vesting, provided to employer clients through Planned Strategies.
• Group Life Insurance Employer-sponsored life insurance coverage provided to employees as part of a group benefits package, offered through Planned Strategies.
• Accidental Death and Dismemberment (AD&D) Insurance providing payment to beneficiaries if the insured dies or is dismembered due to an accident, offered as part of group benefits through Planned Strategies.
• Short-Term Disability (STD) Insurance providing income replacement for a limited period when an employee cannot work due to illness or injury, offered as part of group benefits through Planned Strategies.
• Long-Term Disability (LTD) Insurance providing income replacement for extended periods when an employee cannot work due to disability, offered as part of group benefits through Planned Strategies.
• Financial Advisory Services Comprehensive financial advisory services including investment portfolio management, retirement portfolio oversight (401(k), 401(a), 403(b), pension and profit sharing plans), corporate cash accounts, money management, and wealth protection strategies for businesses, unions, and non-profit organizations.
• FMLA Administration Family and Medical Leave Act administration services delivered through FMLASource (a ComPsych subsidiary), offering leave management and compliance support for employers and HR departments. Claimed ROI is 70-80% with up to 40% reduction in absences.
• Identity Theft Monitoring Identity theft protection services offered to employees through InfoArmor, including a 3-year look-back period and dependent coverage under 'One Roof-One Wallet' plans.
• Retiree Drug Subsidy (RDS) Reopening Audit Services CMS-compliant audit services delivered through RDS Services, LLC allowing plan sponsors to request reopening of up to four previously reconciled years to pursue potential unrealized reimbursements. Fees are contingency-based; no recovery means no fee.

Quantifiable outcome

• ROI on FMLA administration services can be as high as 70-80%
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Advisory Group Equity Services, Ltd.coreChannel Partner/ Reseller/ DistributorFull-service broker-dealer firm through which Planned Strategies offers securities. Member FINRA/SIPC. Founded to assist clients in every aspect of their financial lives.
• Trust Advisory Group, Ltd.coreChannel Partner/ Reseller/ DistributorRegistered investment advisor through which investment advisory services are offered to clients.
• FMLASource (subsidiary of ComPsych)coreStrategic or Co-development PartnerLargest family leave administrator in the world. Provides FMLA administration services that reduce organizational costs and liability risks while streamlining administration of leave and absence policies.
• InfoArmorminorStrategic or Co-development PartnerOffers low-cost Identity Theft Monitoring for employees with 3-year look-back period and 'One Roof-One Wallet' coverage for dependents.
• RDS Services, LLCminorStrategic or Co-development PartnerPerforms Retiree Drug Subsidy (RDS) Reopening Audit Services, allowing plan sponsors to request reopening of up to four previously reconciled years to pursue potential unrealized reimbursements. Fees are contingency-based - no recovery, no fee.

Scale indicators2 records

Recent moves1 record

Expansion highlights3 records

Broad incumbents

• USI Insurance Services: Large property & casualty and employee benefits brokerage serving mid-market and enterprise employers with retirement, group benefits, and consulting — overlaps Planned Strategies' employer retirement and group insurance practice.
• Hub International: North American insurance brokerage providing employee benefits, retirement planning, and wealth services to mid-market employers — broadly comparable product set with greater geographic reach.
• Brown & Brown: National insurance brokerage with significant employee benefits segment offering retirement and group benefits advisory to employers — competing incumbent in the same employer-sponsored benefits category.
• NFP (an Aon company): Mid-market insurance and benefits advisory firm now part of Aon, providing retirement plan advisory and group benefits to employers — comparable employer-sponsor focus with full-service infrastructure.

Others

• ComPsych: Provider of FMLASource, the leave-administration product Planned Strategies resells; a key upstream partner delivering the employee benefit service layer that complements PS's retirement offering.
• Advisory Group Equity Services (AGES): Independent broker-dealer through which Planned Strategies distributes securities and conducts investment advisory activity — a direct channel partner for PS and similar firms in the IBD space.

Emerging players

• PrismHR: PEO technology platform providing HR, benefits administration, and FMLA-style leave management to small/mid employers — emerging adjacent player competing for some of the same employer benefit wallet share.

Regional players

• Sequoia Financial Group: Mid-Atlantic / Northeast retirement plan advisory firm providing 401(k)/403(b) advisory, plan design, and investment oversight to non-profits and businesses — comparable employer-sponsored retirement focus with regional overlap.

Direct peers

• OneDigital: National benefits and retirement advisory firm bundling employer retirement plans, group insurance, and benefits administration for businesses — directly comparable in offering mix to Planned Strategies but at meaningfully larger scale.
• CBIZ Benefits & Insurance Services: Mid-market benefits and retirement plan advisory firm serving businesses and non-profits with retirement plan design, group insurance, and benefits administration — very similar customer base and service mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/1046918

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Strategies