{"url":"https://nivawealth.com/firms/a-better-way-financial-304914","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/304914","regulatoryAum":108964358,"crd":"304914","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8335511","suffix":null,"lastName":"Frost","firstName":"Corey","middleName":"Daniel"},{"crd":"1499368","suffix":null,"lastName":"GUIDA","firstName":"FRANK","middleName":null},{"crd":"7396287","suffix":"JR","lastName":"GUIDA","firstName":"FRANK","middleName":null},{"crd":"7040371","suffix":null,"lastName":"Howells","firstName":"Alison","middleName":"Elizabeth"},{"crd":"7083002","suffix":null,"lastName":"Williams","firstName":"Noah","middleName":"Aaron"}],"total":5,"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"},"secFileNumber":"801-136115","legalName":"A Better Way Financial, LLC","displayName":"A Better Way Financial","slug":"a-better-way-financial-304914","website":"https://abetterwayfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/a-better-way-financial/","founded":null,"organization":"Pennsylvania limited liability company","fiscalYearEnd":"December","headquarters":{"street":"6357 Airport Road","city":"Allentown","state":"PA","stateName":"Pennsylvania","country":"United States","postalCode":"18109"},"tradeNames":[],"registration":{"secApproved":"2 June 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":307808.92090395483,"staff":{"employees":10,"advisory":5,"brokerDealerReps":0,"insuranceAgents":7,"promoters":0},"aum":{"regulatory":108964358,"discretionary":105286260,"discretionaryAccounts":954,"nonDiscretionary":3678098,"nonDiscretionaryAccounts":26,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":339,"regulatoryAum":90740851},{"label":"High-net-worth individuals","clients":15,"regulatoryAum":18223507}],"feePrograms":[{"role":"other","program":"Ongoing financial planning","summary":"Ongoing financial planning is a fixed fee of $500 to $2,399 per year, billed twice a year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1035796","versionId":1035796,"submittedOn":"2026-03-31","documentName":"ADV2A&2B SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:25:08.992438+00:00","documents":[{"name":"ADV2A&2B SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1035796","versionId":1035796,"submittedOn":"2026-03-31"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Omaha, NE","smaAssets":108964358}],"custodyNote":"A Better Way Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Kimberly Guida","title":"Executive Vice President","crd":"2120314"},{"name":"Frank Guida","title":"President/CCO","crd":"7396287"},{"name":"Frank Guida","title":"Managing Member","crd":"1499368"}],"ownership":[{"label":"Frank Guida","detail":"Managing member in the 25% to 50% ownership band and a control person, since June 2011. Also president/cco in the 25% to 50% ownership band and a control person, since January 2026."},{"label":"Kimberly Guida","detail":"Executive vice president in the 25% to 50% ownership band and a control person, since June 2011."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Pennsylvania","offices":1,"addresses":[{"street":"6357 Airport Road","city":"Allentown","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"610-440-1700","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":97},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"21 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/304914/PDF/304914.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1035796","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 A Better Way Financial have?","answer":"A Better Way Financial has 354 clients and manages $109 million for them, as of September 2026. They include 339 individual clients and 15 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does A Better Way Financial offer?","answer":"A Better Way Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","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 A Better Way Financial use?","answer":"A Better Way Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Omaha, NE), with $109M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does A Better Way Financial have?","answer":"A Better Way Financial has 5 investment adviser representatives registered with state securities authorities, out of 10 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 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 A Better Way Financial invest in?","answer":"At the end of its last fiscal year, A Better Way Financial’s separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs), 2% cash and equivalents and 1% exchange-traded equities.","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 A Better Way Financial?","answer":"A Better Way Financial’s direct owners are Frank Guida and Kimberly Guida, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does A Better Way Financial get paid?","answer":"A Better Way Financial is paid through a percentage of assets under management and fixed fees. 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 A Better Way Financial?","answer":"A Better Way Financial’s main office is at 6357 Airport Road, Allentown, PA 18109. Its phone number is 610-440-1700. Its website is abetterwayfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 21 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/a-better-way-financial-304914/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-23","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1817720/000181772026000003/0001817720-26-000003-index.html","totalValue":118205618,"positionCount":9,"top10Share":1,"top10":[{"issuer":"SPDR Portfolio S&P 500 ETF","titleOfClass":"EQ","cusip":"78464A854","value":47937906,"shares":545492,"shareType":"SH"},{"issuer":"Invesco QQQ Trust Series 1","titleOfClass":"EQ","cusip":"46090E103","value":31291069,"shares":42491,"shareType":"SH"},{"issuer":"SPDR Dow Jones Industrial Average ETF Trust","titleOfClass":"EQ","cusip":"78467X109","value":23367864,"shares":44732,"shareType":"SH"},{"issuer":"Financial Select Sector SPDR Fund","titleOfClass":"EQ","cusip":"81369Y605","value":5716059,"shares":106623,"shareType":"SH"},{"issuer":"SPDR Gold Shares","titleOfClass":"EQ","cusip":"78463V107","value":4793728,"shares":13013,"shareType":"SH"},{"issuer":"iShares Bitcoin Trust ETF","titleOfClass":"EQ","cusip":"46438F101","value":4146103,"shares":124545,"shareType":"SH"},{"issuer":"UnitedHealth Group Inc","titleOfClass":"EQ","cusip":"91324P102","value":590592,"shares":1420,"shareType":"SH"},{"issuer":"Luxfer Holdings PLC","titleOfClass":"EQ","cusip":"G5698W116","value":201283,"shares":11157,"shareType":"SH"},{"issuer":"AGNC Investment Corp","titleOfClass":"EQ","cusip":"00123Q104","value":161014,"shares":14772,"shareType":"SH"}],"positionsListed":9,"positions":[{"issuer":"SPDR Portfolio S&P 500 ETF","titleOfClass":"EQ","cusip":"78464A854","value":47937906,"shares":545492,"shareType":"SH"},{"issuer":"Invesco QQQ Trust Series 1","titleOfClass":"EQ","cusip":"46090E103","value":31291069,"shares":42491,"shareType":"SH"},{"issuer":"SPDR Dow Jones Industrial Average ETF Trust","titleOfClass":"EQ","cusip":"78467X109","value":23367864,"shares":44732,"shareType":"SH"},{"issuer":"Financial Select Sector SPDR Fund","titleOfClass":"EQ","cusip":"81369Y605","value":5716059,"shares":106623,"shareType":"SH"},{"issuer":"SPDR Gold Shares","titleOfClass":"EQ","cusip":"78463V107","value":4793728,"shares":13013,"shareType":"SH"},{"issuer":"iShares Bitcoin Trust ETF","titleOfClass":"EQ","cusip":"46438F101","value":4146103,"shares":124545,"shareType":"SH"},{"issuer":"UnitedHealth Group Inc","titleOfClass":"EQ","cusip":"91324P102","value":590592,"shares":1420,"shareType":"SH"},{"issuer":"Luxfer Holdings PLC","titleOfClass":"EQ","cusip":"G5698W116","value":201283,"shares":11157,"shareType":"SH"},{"issuer":"AGNC Investment Corp","titleOfClass":"EQ","cusip":"00123Q104","value":161014,"shares":14772,"shareType":"SH"}]},"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."}