A Family Firm with Family Values
Advanced Planning Solutions was established in 1999 with a clear mission: to create a full-service financial planning firm where clients feel both supported and at ease. As a fiduciary, we prioritize our clients’ best interests—free from the limitations of a large corporate structure.
At our core, we take a hands-on, educational approach to planning. We believe that informed clients are confident clients, which is why we’re committed to providing the guidance and clarity they need to feel secure every step of the way.
Founder
Nancy Gragg, CWS® AIF®
Nancy Gragg is the CEO and Founder of Advanced Planning Solutions, Inc., and serves as a Registered Principal with Cetera Wealth Services LLC . With a career in financial services dating back to 1978, Nancy brings decades of experience and insight. She is a sought-after speaker and seminar leader, known for her expertise in Retirement Planning and Financial Planning for Women.
A proud longtime resident of Palos Verdes, Nancy shares her life with her husband, Bob. When they’re not helping clients plan for the future, you’ll likely find them on the pickleball court or exploring new destinations together—two of their favorite pastimes.
Registered Principal*
Ca Insurance Lic. #0565038
Certified Financial Planner
John Gragg, CFP®
John Gragg, CFP®, has been in the financial services industry for over a decade, bringing deep experience in both planning and investment management. He earned his Finance degree from San Diego State University and began his career at several well-known investment firms before joining the team. Today, he focuses on helping clients build clarity and confidence around their financial futures.
Outside the office, John enjoys weekend walks along the beach with his wife Michelle, their two kids—Carter and Reagan—and their dogs, Leo and DJ. He’s also an avid hiker, surfer and recent Pickleball fanatic.
Registered Representative*
Ca Insurance Lic. # 0I59024
Head of Operations
Judy Petrelli
With over 20 years of corporate experience and a proud background as a U.S. Air Force veteran, Judy Petrelli brings dedication, leadership, and a client-first mindset to her role as Director of Client Experience. In her role, Judy focuses on creating meaningful, trust-based relationships with clients, ensuring that every interaction reflects the high standards and personalized attention that define our firm’s values.
Outside of work, Judy enjoys life by the beach with her husband, their son who is starting a career as a police officer, and their 12-year-old, who keeps the family on the go with travel baseball. She’s also a proud pet parent of two huskies and two cats.