Yes. Plan Wise Finance is fully licensed and regulated to offer lending, insurance, and investment advisory services across all 50 US states. Our advisors hold state-specific licenses and federal registrations as required.

Most personal and auto loan applications receive a decision within 24 hours. Home and business loans typically take 3–7 business days due to underwriting. Our AI-assisted platform accelerates documentation, and a dedicated advisor keeps you informed throughout.

Absolutely. Plan Wise Finance operates under a fiduciary standard, meaning we are legally and ethically bound to act in your best interest at all times. We do not earn commissions on product sales — our fees are transparent and disclosed upfront.

You can begin investing with as little as $100 through our robo-managed portfolios. For actively managed accounts, the minimum is $25,000. Premium wealth management services typically start at $250,000 in investable assets.

Your first 30-minute consultation is completely free. There's no obligation to enroll in any service. If you choose to work with us, our pricing is transparent — choose from Starter ($49/mo), Growth ($149/mo), or Premium ($399/mo) plans.

Yes! Bundling multiple policies — such as home & auto, or life & health — can save you up to 30% on premiums. Our advisors conduct a free insurance audit to identify bundling opportunities and coverage gaps.

We employ bank-grade 256-bit AES encryption, SOC 2 Type II compliance, multi-factor authentication, and continuous security monitoring. Your data is never sold to third parties and is stored in compliance with GLBA, HIPAA, and CCPA regulations.