{"url":"https://nivawealth.com/firms/917-advisory-services-331476","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/331476","regulatoryAum":167507315,"crd":"331476","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2709927","suffix":null,"lastName":"LIBSACK","firstName":"JOI","middleName":"RENE"},{"crd":"5528952","suffix":null,"lastName":"MILLER","firstName":"BARBARA","middleName":"JOY"},{"crd":"2397137","suffix":null,"lastName":"SCHRAM","firstName":"JOHN","middleName":"AARON"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2024-07-09","regulatoryAum":0,"clients":0,"employees":3,"offices":1},{"filedOn":"2025-02-14","regulatoryAum":130150573,"clients":191,"employees":4,"offices":1},{"filedOn":"2026-04-30","regulatoryAum":167507315,"clients":195,"employees":4,"offices":1}],"secFileNumber":"801-130529","legalName":"917 Advisory Services 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HNW)","clients":132,"regulatoryAum":40468126},{"label":"High-net-worth individuals","clients":58,"regulatoryAum":110061863},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":16977326}],"feePrograms":[{"role":"other","program":"Financial Planning Services","summary":"Standalone financial planning is billed at an hourly fee of up to $200, negotiable, with an estimate of hours and costs given before engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043385","versionId":1043385,"submittedOn":"2026-04-30","documentName":"917 ADVISORY SERVICES LLC BROCHURE"},{"role":"other","program":"Retirement Plan Advisory Services","summary":"Retirement plan advisory fees are an annual asset-based fee of up to 2.00%, billed quarterly in advance or in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043385","versionId":1043385,"submittedOn":"2026-04-30","documentName":"917 ADVISORY SERVICES LLC BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T17:45:28.464563+00:00","documents":[{"name":"917 ADVISORY SERVICES LLC BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043385","versionId":1043385,"submittedOn":"2026-04-30"}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Fort Mill, SC","smaAssets":164781428}],"custodyNote":"917 Advisory Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Barbara Miller","title":"Chief Compliance Officer","crd":"5528952"},{"name":"John Schram","title":"Owner, Financial Advisor","crd":"2397137"}],"ownership":[{"label":"John Schram","detail":"Owner, financial advisor in the 75% or more ownership band and a control person, since April 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Washington","offices":1,"addresses":[{"street":"917 S Monroe St","city":"Spokane","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"509-328-5627","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"Securities issued by registered investment companies or business development companies","percent":82},{"label":"Cash and cash equivalents","percent":7}],"privateFunds":0},"sources":{"adv1FilingDate":"30 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/331476/PDF/331476.pdf","brochureDate":"30 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043385","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does 917 Advisory Services have?","answer":"917 Advisory Services has 195 clients and manages $168 million for them, as of April 2026. They include 132 individual clients, 58 high-net-worth individuals, and 5 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does 917 Advisory Services offer?","answer":"917 Advisory Services provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does 917 Advisory Services use?","answer":"917 Advisory Services’ separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $165M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does 917 Advisory Services have?","answer":"917 Advisory Services has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 employees are licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does 917 Advisory Services invest in?","answer":"At the end of its last fiscal year, 917 Advisory Services’ separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities and 7% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns 917 Advisory Services?","answer":"917 Advisory Services’ direct owner is John Schram (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does 917 Advisory Services get paid?","answer":"917 Advisory Services is paid through a percentage of assets under management and hourly charges. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact 917 Advisory Services?","answer":"917 Advisory Services’ main office is at 917 S Monroe St, Spokane, WA 99204. Its phone number is 509-328-5627. Its website is johnschram.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}