# Caleb Pepperday

> Caleb Pepperday is a fee-only financial advisor at Advanced Practice Planning, LLC in Missoula, Montana, who holds the CFP and ChFC credentials. Caleb charges an ongoing planning fee (typically works with clients with $250,000 or more) and focuses on physicians & residents, retirement planning and tax planning.

Page: https://find.wellspent.co/advisors/caleb-pepperday/
Built from public directory listings; last checked October 28, 2026.

## Facts

- **Firm:** Advanced Practice Planning, LLC
- **Based in:** Missoula, Montana
- **Fee model:** Ongoing planning fee
- **Fees (firm's website):** typically works with clients with $250,000 or more
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $6.4M across 58 accounts
- **Credentials:** CFP, ChFC
- **Specialties:** Physicians & residents, Retirement planning, Tax planning
- **Works with:** Physicians, High earners, Pre-retirees
- **CRD:** 6997697 (https://adviserinfo.sec.gov/individual/summary/6997697)
- **SEC registration:** Investment adviser representative in MT, PA
- **Exams passed:** Series 66 (2018)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://advancedpracticeplanning.com

## Frequently asked questions

### Is Caleb Pepperday a fee-only financial advisor?

Yes. Caleb Pepperday is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Caleb's firm.

### How does Caleb Pepperday charge for financial advice?

Caleb Pepperday charges an ongoing planning fee.

### How much does Caleb Pepperday charge?

According to Advanced Practice Planning, LLC's website, checked October 28, 2026: typically works with clients with $250,000 or more.

### Where is Caleb Pepperday based?

Caleb Pepperday is based in Missoula, Montana.

### What does Caleb Pepperday specialize in?

Caleb Pepperday's specialties include physicians & residents, retirement planning and tax planning. Caleb works with physicians, high earners and pre-retirees.

### What credentials does Caleb Pepperday hold?

Caleb Pepperday holds the CFP and ChFC credentials.

### Is Caleb Pepperday registered with the SEC?

Yes. Caleb Pepperday is registered as an investment adviser representative in MT and PA (CRD 6997697), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Advanced Practice Planning, LLC manage?

Advanced Practice Planning, LLC reports $6.4M across 58 accounts in assets under management.

### How do I contact Caleb Pepperday?

Through Caleb Pepperday's website, advancedpracticeplanning.com.

## Sources

- XY Planning Network directory listing (https://www.xyplanningnetwork.com/find-an-advisor/caleb-pepperday-11581): XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.advancedpracticeplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.