PlanRock Wealth Management, LLC (“PlanRock” and sometimes referred to herein as "us" or "we" or "our" as appropriate) is an investment adviser registered with the SEC. We were established in 2019. Stephen Hammers is the Chairman and sole owner. All services provided by PlanRock, and described within this document, are via the PlanRock website using technology and software. We render investment advisory services for institutional and certain individual clients (“client” and sometimes referred to herein as “investor” or “you” or “your”) for taxable and tax-exempt accounts; we provide fee-based advisory services to affluent to high-net-worth wealth clients comprised primarily of families, business owners, and professionals (the "Advisory Clients"). We do not offer tax or legal advisory services. You should seek outside counsel for these services. As of December 31, 2022, we managed Client assets of approximately $24,250,435 in assets on a discretionary basis. Our General Services: Financial Planning – We offer comprehensive financial planning tools online for our clients. These online tools include of retirement, college, estate, tax as it relates to investments, and more. The tools are called “PlanRock Comprehensive Planning Tools”. Investment Management – PlanRock offers discretionary investment management services to clients through Fee- Based Accounts. We offer our investment management services through the access to “Separately Managed Accounts,” a separately managed portfolio strategy. There are five (5) levels of engagement the Client is able to choose between: Bronze, Silver, Gold, Platinum and Platinum Concierge. The Client contracts with PlanRock to act as their investment advisor to perform the level of service(s) requested. PlanRock’s management of accounts and the level of transactions in Clients’ accounts are in accordance with the written investment guidelines contained in the contracted Investment Policy Statement, Schedule A. We invest in various securities, including but not limited to, ETFs, mutual funds, common stock, corporate, municipal, U.S. Treasury bonds/notes, mortgage-backed securities, and other vehicles as appropriate, provided that such investments are consistent with the investment objectives of the Client. PlanRock will not recommend or hold single stocks that are not part of a diversified fee based professional portfolio manager account. We may us cash as an asset class, thus Clients may have a portion of their account held in cash for various periods of time. PlanRock monitors Clients’ accounts on an ongoing basis. We conduct periodic account reviews with Clients, depending on the Client’s contracted level of service. PlanRock and the associated investment advisor will attempt to contact Client to review their goals and objectives at least annually. As authorized by Client, reviews may be between Client’s outside advisor, which includes their accountants, attorneys, other advisors, and other consultants/professionals as deemed necessary by PlanRock to provide its services to Client and/or as requested by Client. PlanRock is only responsible for the assets over which Client has provided PlanRock discretionary authority and not for the non-diversification/diversification, or any outside noncontractual investment, or any other assets of Client. We act as a fiduciary regarding Clients under discretionary advisory services agreement, which means PlanRock, its advisors, and the associated investment advisors must put Clients interests above its own in managing Clients’ accounts. PlanRock agrees to provide these services to Client in a manner consistent with its fiduciary duty to Client and the provisions of all applicable laws, including the Investment Advisers Act of 1940 (the “Advisers Act”). In some cases, we do not exercise investment discretion and instead provide investment recommendations. If we do not exercise investment discretion, either you or a third party designated by you have full responsibility for investment decisions. If a client has special needs and/or restrictions that require a portion of the portfolio to be held outside of our Model Portfolios, a separate non-discretionary account will be opened to house those funds. Such funds will be managed in line with the special needs and/or restrictions applicable to the account, the account will incur an advisory fee. Investment Consulting (Sub-Advisory) – We offer online investment management advice to unaffiliated investment providers. Our services are directly to the investment company; which is indirectly to the individuals participating in the investment pools. The advice we provide is tailored to the pooled vehicles, not to the individual investors in the pools. Such relationships will be by the contractual relationship to determine the level of service offered. The pooled vehicles are developed by risk tolerance and follow their investment objectives which is outlined in the pool’s offering and governing documents. The advisory services we offer are comprised of investment vehicles such as mutual funds, exchange traded funds (“ETFs”), bonds, and other vehicles as appropriate. Type s of Accou n t s Fee Based Accounts: For our Fee-Based Accounts, each Client investment portfolio will be based on the predetermined need of the investor via the online portal through our “Investment Policy Questionnaire”. Our aim is to meet the below objectives, risk tolerances and regions. Objectives
• High Dividend
• Low Volatility
• Broad Market
• Broad Market Aggressive (called Tactical)
• Value Based (Faith Based)
• ESG (Environmental, Social and Governance)
• Income Only
• Alternative
• Balanced Tactical Risk Tolerance
• Conservative
• Conservative to Moderate
• Moderate
• Moderate to Aggressive
• Aggressive Region
• Domestic
• Global We do not provide securities execution, custodial or other administrative services in connection with our Fee- Based Accounts. Instead, these services are provided by a

third-party custodian. To establish a Fee-Based Account relationship, you must designate a third-party custodian acceptable to us and open an account with that third- party custodian. Third Party Separately Managed Accounts. We also offer clients Separately Managed Accounts. If you participate in a separately managed account program through an advisor, we can assist you in constructing a portfolio comprised of a combination of equity and/or fixed-income securities, equity exchange-traded funds, and money market mutual funds (or other short-term investment vehicles) that is designed to assist you in pursuing your identified financial goals and is consistent with your objectives and risk tolerance. Platform for Independent Financial Advisors. PlanRock offers and all-inclusive platform for financial advisors. Advisors can focus on and grow their relationships. A few of the services we provide is listed below.
• Comprehensive Financial Planning
• Account Administrative and Support
• Compliance
• Billing
• Investment Models
• Marketing and Client Growth
• Performance Reporting
• Advice Flexibility Managed Service PackageS PlanRock Comprehensive Planning Tools PlanRock offers comprehensive planning tools as a stand-alone service for clients that do not request any of the services levels below. The stand-alone service is available at $99 per quarter. The PlanRock Comprehensive Planning Tools is included for all clients that request investment management services through any of the services below. All service is available through the online portal. The Comprehensive Planning Tools services include:
• Net Worth and Estate Planning
• Account aggregation (Any financial Institution)
• Account performance
• Retirement planning
• College planning
• Account holdings and asset allocation
• Liability management
• Other goal planning Investment Management PlanRock offers over 40 customized and fully researched investment portfolios to meet individual needs. Advisor Access Service
• Investment Portfolio Management by the PlanRock professional investment staff.
• Personalized Investment Policy Statement based on your customized goals and objectives.
• Comprehensive Financial Planning Tools.
• Education and articles.
• Personalized account administrative and support services to your financial advisor.
• A quarterly basic performance report sent to your online portal vault reviewing your PlanRock ’investment portfolio held at Charles Schwab Institutional.
• Ongoing advice is not available with his service. Only through your independent (of PlanRock) financial advisor
• The annual fee for this level, which includes all the services listed above, is 0.55%. *Minimum annual fee: $550
• This service can only be access through an independent financial advisor not affiliated with PlanRock Bronze Level Service
• Investment Portfolio Management by the PlanRock professional investment staff.
• Personalized Investment Policy Statement based on your customized goals and objectives.
• Comprehensive Financial Planning Tools.
• Education and articles.
• Personalized account administrative and support services.
• A quarterly basic performance report sent to your online portal vault reviewing your PlanRock ’investment portfolio held at Charles Schwab Institutional.
• Annual review with a financial advisor through our online planning tools portal.
• Ongoing advice is not available with his service.
• The annual fee for this level, which includes all the services listed above, is 0.55%. *Minimum annual fee: $550 Platinum
• Investment Portfolio Management by the PlanRock professional investment staff.
• Personalized Investment Policy Statement based on your customized goals and objectives.
• Comprehensive Financial Planning Tools.
• Personal guidance and construction with the PlanRock Financial Planning Tools.
• Education and articles.
• Personalized account administrative and support service.
• Quarterly comprehensive performance report, sent to your online portal vault, reviewing your PlanRock account held at Charles Schwab Institutional.
• Quarterly, personalized video from the Chief Investment Officer or your Financial Advisor, discussing the markets, economy, and your investment portfolio.
• Quarterly review with a financial advisor through our online planning tools portal or in person.
• The annual fee for this level, which includes all the services listed above, is 1.05%. *Minimum annual fee: $1,050. Discounts may apply if services are denied or not offered. Platinum Concierge
• Investment Portfolio Management by the PlanRock professional investment staff.
• Personalized Investment Policy Statement based on your customized goals and objectives.
• Comprehensive Financial Planning Tools.
• Personal guidance and construction with the PlanRock Financial Planning Tools.
• Education and articles.
• Personalized account administrative and support service.
• Quarterly comprehensive performance report, sent to your online portal vault, reviewing your PlanRock account held at Charles Schwab Institutional.
• Quarterly, personalized video from the Chief Investment Officer or your Financial Advisor, discussing the markets, economy, and your investment portfolio.
• Quarterly review with a financial advisor through our online planning tools portal or in person.
• Full-service concierge services such as, comprehensive full-service planning, vacation planning, and bill payment to name a few.
• Unlimited guidance, service, and advisory needs.
• The annual fee for this level, which includes all the services listed above, is 1.35%. *Minimum annual fee: $1,350. Discounts may apply if services are denied or not offered. *Our minimum fees, based on our extensive services, maybe be closer to a $100,000 household relationship.