Our Story

Advanced Planning Solutions was founded in 1999 with the goal of offering a full-service financial planning firm in a comfortable environment.  One which acts as a fiduciary by putting the interests of the client above all else and not being restrained by a large company.  

At the heart of the business is a hand-holding approach built on education and security.  We continually educate our clients so they are comfortable and confident.  

Meet The Team

Nancy Gragg, CWS

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Nancy Gragg is CEO and Founder of Advanced Planning Solutions, Inc. and a Registered Principal with Cetera Advisor Networks LLC.  Nancy has been involved in the Financial Services industry since 1978 and is a frequent guest speaker and seminar leader on Financial Planning for Women, and Retirement Planning.

Nancy is a long-time resident of Palos Verdes, where she lives with her husband Bob. They enjoy spending time with their four children and grandchildren, traveling, playing tennis and golf.

John Gragg, CFP®

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Judy Petrelli

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.

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.

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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.

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

225 Avenue I, Suite 201

Redondo Beach, CA 90277

Contact: (310) 792-2424

Email: John@APSadvisor.com

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