Client Relationship Summary

What investment services and advice can you provide me?

We offer investment services to you based on trust and confidence for the entire length and scope of our advisory relationship. As part of our wealth management, services include:

• Portfolio Management
• Retirement Planning

We are a fee-based advisory firm focused on helping you achieve your financial expectations.

Portfolio Management

Portfolio management is offered on a discretionary basis. However, you may choose how much you want to be involved in overseeing your investments and limit our discretionary authority at any time. We do not focus our advice and management to a limited menu of investment products (i.e., proprietary investments or types of securities products) for your managed account. A minimum initial investment may be required to establish a portfolio management account; however, this may be waived or reduced if we feel circumstances are warranted. Your portfolio assets will be monitored and reviewed on an ongoing basis to ensure your objectives are being met. Meetings to discuss your management portfolio can occur any time.

Retirement Planning

We assist ERISA-qualified retirement and savings plans in the design of the fiduciary governance structure and with the development of an investment management program. Our services under ERISA are to act as a Limited-Scope 3(21) Fiduciary.

You can find more detailed information about the services we offer in our Part 2A of Form ADV: Firm Brochure under Item 4, “Advisory Business.”

What fees will I pay?

For Portfolio Management and Retirement Planning

You will pay an ongoing asset-based fee.

Portfolio Management

For Portfolio Management, the fee is based on a percentage of the value of the assets in your portfolio account. The management fee is calculated by taking the aggregate fair market value of your portfolio assets multiplied by one-fourth the corresponding annual fee rate for that portion of your portfolio assets that fall within each tier of our fee schedule. The fee will be billed on a calendar quarter in arrears. In addition, separate from our management fee, you will incur other costs associated with your managed account that include, but are not limited to, custodial fees, account maintenance fees, mutual fund fees, if applicable, and transactional fees.

For retirement planning, the fee will be administered by the retirement plan Recordkeeper and will be calculated based on a percentage of the value of the assets maintained in the retirement plan. The fee is calculated by taking the aggregate fair market value of the plan assets on the last business day of the previous calendar quarter multiplied by one-fourth the agreed to annual fee rate.

You should consider…
The annual fee rate you pay for portfolio management and/or retirement planning will reduce when your portfolio value, either through additional deposits or asset growth, moves into a different tier bracket of our fee schedule; however, regardless of the fee breaks we offer, the more assets there are in your managed portfolio or retirement planning account, the more you will pay in fees, and we may therefore have an incentive to encourage you to increase the amount of assets in your account.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

You can find more detailed information about the fees we charge in our Part 2A of Form ADV: Firm Brochure under Item 5, “Fees & Compensation.”

What are your legal obligations to me when acting as my investment advisor? How else does your firm make money and what conflicts of interest do you have?

When we act as your investment advisor, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means.

Advice that results in extra income to us is not always the best for you:

• Because we receive asset-based fees for portfolio management and retirement planning, we have an incentive to – maximize the amount of money you invest with us.
• Because our management persons are licensed insurance agents – we have the potential to earn commissions (i.e., life insurance sales) and benefit from recommending you purchase an insurance product. This can create a situation of divided loyalty, the advice rendered subjective, and therefore a disadvantage to you.

You can find more detailed information about our potential conflicts of interest in our Part 2A of Form ADV: Firm Brochure under Item 10, “Other Financial Industry Activities & Affiliations” and under Item 14, “Client Referrals & Other Compensation.”

How do your financial professionals make money?

Our financial professionals are compensated from the revenues we earn from the asset-based fees you pay for our advisory services. In addition, our financial professionals can earn insurance commissions as licensed life and annuity insurance agents by the State of Florida and as non-resident agents in other states.

Do you or your financial professionals have legal or disciplinary history?

No.

Visit Investor.gov/CRS for a free, simple search tool to research us and financial professionals.

Additional Information.

You can find additional information about our investment advisory services on the “Our Services” menu item on our homepage You can also contact us at the address and phone number listed below to request up-to-date information on our firm and request a copy of the Client Relationship Summary.

Plan to Proper Wealth Management
595 W. Granada Boulevard, Suite K
Ormond Beach, Florida 32174
386.271.2127