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Family Firm with Family Values

Retire Confident.
Retire Comfortable.
Retire Your Way. 

A Hand-Holding Approach

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Retirement comes with a flood of decisions
401(k) rollovers, income planning, Medicare, Social Security, RMDs, tax strategies, and more. Without a clear plan, it’s easy to feel overwhelmed. That’s why we create a personalized strategy to help you maximize wealth, reduce stress, and enjoy the retirement you’ve earned.

Over 60 Years of Trusted Financial Guidance

At Advanced Planning Solutions, we’re an independent, fiduciary firm built on one simple principle: put clients first—always. With decades of experience and a personal, educational approach, we help you plan confidently and live comfortably.

Financial Confidence Starts with a Plan

We'll help you answer the questions that keep you up at night 

  • Will I run out of money during retirement?

  • Do I have a reliable income stream in Retirement?

  • How do I handle an upcoming inheritance?

  • What happens if there is a market downturn?

  • Are my investments tax-efficient?

  • When should I take Social Security?

  • Do I need Long Term Care insurance?

  • When is my RMD?

Our Trusted Partners

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Fraud Defense

Carefull is a fintech platform designed to protect you from financial threats, including fraud, scams, and common money mistakes.
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Investment Bank

Charles Schwab is one of the most trusted names in the financial industry, helping millions of individuals and families take control of their financial futures. 

Financial Clarity 

Asset-Map is a powerful visual tool we use to simplify and clarify your entire financial picture. It helps us identify gaps, opportunities, and strategies on one easy-to-understand page. 

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Tax Intelligence 

Holistiplan simplifies tax planning by instantly analyzing your tax return and identifying opportunities to reduce your tax burden.

  • What can I expect if we work together?
    We’re an independent financial advisor—which means we’re not tied to specific products or strategies. Our only obligation is to you. As fiduciary financial advisors, we’re legally (and personally) committed to putting your best interests first. While we're based in Southern California we work remotely with clients across the country—focused on helping people maximize their retirement planning. When we begin, we’ll meet several times to build your plan. From there, we hold at least two formal reviews each year, with consistent communication in between to keep you informed and empowered. Most importantly, we want you to feel comfortable reaching out anytime. Whether it's a big decision or a quick question, we're just a call or email away. Meet the team here.
  • Do I have enough to be a client?
    We work with people from all walks of life, but to provide the level of service our clients expect, we typically work best with those who’ve built a portfolio of $500,000 or more. That said, we do make exceptions for families who are still in the building phase—especially if they're serious about creating a strong financial foundation and want a long-term planning partner. Our best-fit clients have done a great job saving, but they’re ready to offload the stress and complexity of managing their finances on their own.
  • What Services do you Offer?
    We’re here to help you get the most out of life by making the most of your money. That means taking the weight of financial planning off your shoulders, so you can focus on what matters most. We help clients with: — Retirement planning — Investment management — Tax strategy — Estate planning — Insurance reviews — Cash flow and budgeting And everything else it takes to help you feel calm, confident, and in control of your financial future.
  • How do you get paid?
    We charge a fee that’s a percentage of the value of the investments we manage, which is debited directly from the account: —1% on the first $1,000,000 we manage —0.90% between $1,000,000 and $2,000,000 —0.80% between $2,000,000 and $3,000,000 —0.70% between $3,000,000 and $4,000,000 —0.60% between $4,000,000 and $5,000,000 —0.50% between $5,000,000 and $6,000,000 —0.40% on amounts above $6,000,000 We don’t get paid through any type of commission, kickback, or other undisclosed revenue sources. There’s no additional charge for the tax and estate planning advice we provide.
Luxury Beach House

Let's Talk

We offer complimentary consultations for individuals with investment portfolios of $500,000 or more—no commitment required.


As part of the meeting, we’ll create a personalized 1-page Asset-Map and review it with you over Zoom or in person.

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Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRASIPC,a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License# 0I59024.

 

Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.  All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

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This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.

Online Privacy Policy | Important Disclosures | Business Continuity | Privacy Policy | Order Routing Disclosure

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Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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FINRA's BrokerCheck: Check the background of this investment professional on FINRA’s BrokerCheck.

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225 Avenue I, Suite 201

Redondo Beach, CA 90277

Contact: (310) 792-2424

Email: John@APSadvisor.com

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Nancy Gragg, CWS® AIF®
John Gragg, CFP®

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