PEARL PLANNING, LLC

CRD

336568

SEC file #

801-132904

EIN

831690505

DBA names

Pearl Planning

Economics

AUM

$329.2M

AUM band

$100M-$500M

AUM trajectory

'25 · $312.8M

'26 · $329.2M

'25'26

$312.8M → $329.2M▲ +5%

sec adv history

Client mix

Individuals Other	201
Individuals High Net Worth	104

Operations

Employees (total)

Advisory staff (per ADV)

Advisory staff (5-yr trend)

'25 · 3 advisors

'26 · 4 advisors

'25'26

3 advisors → 4 advisors▲ +33%

sec adv history

Primary office

DEXTER MI

Branches

—

Custodian & Brokerage

Primary custodian

Charles Schwablow confidence

adv brochure

Services offered

Financial planningPortfolio mgmt — individualsPortfolio mgmt — businessesPension consulting

Fee basis

% of AUMHourly chargesFixed fees

Filings

Latest ADV filing

03/13/2026

ADV-W filed at

—

Website

pearlplanning.com

Compliance

Disclosures (firm)

Trademark

—

Additional signalsExpand ▾

Ownership & succession ★

Who controls the firm + pre-computed succession flags

Top Owner Name

JOY, MELISSA, NICOLE

Top Owner Pct

87.5

Top Owner Entity Kind

Owner Count

Control Persons

JOY, MELISSA, NICOLE

Solo Advisor Indicator

Succession Risk Solo Owner

Yes

Is Parent Owned Subsidiary

Availability / M&A ★

Already-acquired = skip; deal comps

Adv W Filed

sec adv w

Web presence ★

Stale website = winding down

Web Signal Quality

Rdap Domain

PEARLPLANNING.COM

Rdap Domain Creation Date

2016-03-08T03:09:28Z

Rdap Firm Age Years

Rdap Firm Age Band

10-20y

Rdap Registrar

GoDaddy.com, LLC

Retirement-plan book (Form 5500) ★

401(k)/plan business — cross-sell value

Retirement Plan Book

form 5500

SEC EDGAR

Edgar Cik

0002100519

Edgar Registered

Yes

Edgar Filing Count

Edgar First Filing Date

2026-02-03

Edgar Last Filing Date

2026-04-30

Edgar 13f Count

Edgar 13f Latest AUM Estimate

Filing Date2026-04-30

Accession0002100519-26-000003

Local market & wealth

Rank targets by how wealthy the local market is

Soi High Wealth Score

0.4504

Soi Zip Pct 200k Plus

0.184

Soi Zip Returns 200k Plus

1,520

Soi Zip Total AGI

1,113,209

Fdic Zip Total Deposits

6,005,903,000

Fdic Zip Branch Count

114

Fdic Zip Top Banks

PNC Bank, National Association

Chelsea State Bank

Compliance & brand

Firm Registration Status

active

sec adv w

All other collected signals (27)

Everything else we've pulled for this record, not yet curated into a section.

Adv W Recently Filed

sec adv w

Bc Firm Active Bc Count

brokercheck firm search

Bc Firm Active IA Count

brokercheck firm search

Bc Firm IAR Count

brokercheck firm search

Custodian Candidates

Full

Charles Schwab	6
Fidelity	4
Lpl Financial	4
Raymond James	4
E*trade	4

adv brochure

Edgar Addresses

Mailing

8031 MAIN STREETSUITE 201DEXTER, MI 48130

Business

8031 MAIN STREETSUITE 201DEXTER, MI 48130

Edgar EIN

831690505

Edgar Recent Filings

13F-HR2026-04-30 · 0002100519-26-000003

13F-HR2026-02-03 · 0002100519-26-000001

Fdic Zip Branches Raw

First of America Bank-Ann ArborDexter, MI

Great Lakes Bancorp, A FSBDexter, MI

Fdic Zip HHI

1519.3

Fdic Zip Top Bank Share Pct

27.45

Fdic Zip Year

2025

Firm Has Custody

Mailing Office Differs

Rdap Domain Expiration Date

2027-03-08T03:09:28Z

Rdap Domain Last Changed

2025-09-11T19:58:50Z

Rdap Nameservers

Ns47.domaincontrol.comNs48.domaincontrol.com

Rdap Secure Dns Enabled

Rdap Status

Client Delete ProhibitedClient Renew ProhibitedClient Transfer ProhibitedClient Update Prohibited

Soi Year

2022

Soi Zip Distribution

Stub 1

AGI	18,486
Returns	1,830

Stub 2

AGI	37,826
Returns	1,030

Stub 3

AGI	54,772
Returns	880

Soi Zip Total Business Income

34,064

Soi Zip Total Cap Gains

50,378

Soi Zip Total Dividends

31,093

Soi Zip Total Returns

8,260

Top Owner CRD

3233879

Trust Company Affiliate