{"url":"https://nivawealth.com/firms/access-wealth-planning-112973","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/112973","regulatoryAum":539117584,"crd":"112973","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5283717","suffix":null,"lastName":"CAPPADONA","firstName":"CARL","middleName":"J."},{"crd":"5278483","suffix":null,"lastName":"CHOMIAK","firstName":"MICHAEL","middleName":"PETER"},{"crd":"6365304","suffix":null,"lastName":"CHUBINISHVILI","firstName":"LEVAN","middleName":null},{"crd":"4199828","suffix":null,"lastName":"HOOK","firstName":"HOWARD","middleName":"MARK"},{"crd":"4800952","suffix":null,"lastName":"MERKER","firstName":"ALAN","middleName":"STEVEN"},{"crd":"3230483","suffix":null,"lastName":"MILOVE","firstName":"HOWARD","middleName":"SCOTT"},{"crd":"4800955","suffix":null,"lastName":"PETRELLA","firstName":"JOHN","middleName":"EDWARD"},{"crd":"4434947","suffix":null,"lastName":"SCHWARTZ","firstName":"JEFFREY","middleName":"PAUL"},{"crd":"1528249","suffix":null,"lastName":"SZYMANSKI","firstName":"ELEANORE","middleName":"KULAKOWSKI"},{"crd":"1380800","suffix":null,"lastName":"WEISHOLTZ","firstName":"MARK","middleName":null},{"crd":"5121491","suffix":null,"lastName":"ZAGAROLA","firstName":"DARREN","middleName":"LAWRENCE"},{"crd":"4411966","suffix":null,"lastName":"ZAGAROLA","firstName":"LAWRENCE","middleName":null}],"total":12,"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":"2021-03-26","regulatoryAum":361788357,"clients":351,"employees":15,"offices":2},{"filedOn":"2022-07-01","regulatoryAum":407909377,"clients":374,"employees":14,"offices":2},{"filedOn":"2023-03-29","regulatoryAum":367054050,"clients":385,"employees":12,"offices":2},{"filedOn":"2024-03-28","regulatoryAum":403993257,"clients":404,"employees":6,"offices":1},{"filedOn":"2025-03-26","regulatoryAum":490388112,"clients":396,"employees":6,"offices":1},{"filedOn":"2026-03-24","regulatoryAum":539117584,"clients":373,"employees":6,"offices":1}],"acquisitions":[{"date":"2008-06-01","datePrecision":"month","name":"EKS Associates","crd":"169687","source":"press","dealType":"acquisition","sellerAum":null,"sellerAumDate":null,"sourceUrl":"https://www.fa-mag.com/news/article-3330.html"}],"secFileNumber":"801-60406","legalName":"Access Wealth Planning, LLC","displayName":"Access Wealth Planning","slug":"access-wealth-planning-112973","website":"https://access-wealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"New Jersey limited liability company","fiscalYearEnd":"December","headquarters":{"street":"120 Eagle Rock Avenue, Suite 230","city":"East Hanover","state":"NJ","stateName":"New Jersey","country":"United States","postalCode":"07936"},"tradeNames":["Access Wealth"],"registration":{"secApproved":"1 July 2001","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1449027.9283746555,"staff":{"employees":6,"advisory":6,"brokerDealerReps":1,"insuranceAgents":2,"promoters":6},"aum":{"regulatory":539117584,"discretionary":539117584,"discretionaryAccounts":1009,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":5},"clientTypes":[{"label":"Individuals (other than HNW)","clients":242,"regulatoryAum":89439202},{"label":"High-net-worth individuals","clients":121,"regulatoryAum":436557936},{"label":"Pension and profit-sharing plans","clients":7,"regulatoryAum":7390260},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":346859},{"label":"Corporations and other businesses","clients":2,"fewerThan5":true,"regulatoryAum":5383327}],"feePrograms":[{"role":"main","program":"Investment Advisory Services","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025102","versionId":1025102,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-24","documentName":"ACCESS WEALTH ADV PART 2A","fee_rate_low":null,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Account Aggregation","summary":"Account aggregation services carry a fixed fee of $1,000 to $5,000 per year, negotiable in Access Wealth's sole discretion.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025102","versionId":1025102,"submittedOn":"2026-03-24","documentName":"ACCESS WEALTH ADV PART 2A"},{"role":"other","program":"Combined Planning and Advisory","summary":"A combined flat fee for financial planning and investment advisory typically ranges from $8,000 to $18,000 per year, billed quarterly; the fee is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025102","versionId":1025102,"submittedOn":"2026-03-24","documentName":"ACCESS WEALTH ADV PART 2A"},{"role":"other","program":"Financial Planning","summary":"Financial planning is a fixed fee, typically $1,500 to $5,000 depending on complexity, with 50% due on engagement; the fee is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025102","versionId":1025102,"submittedOn":"2026-03-24","documentName":"ACCESS WEALTH ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:31:43.91261+00:00","documents":[{"name":"ACCESS WEALTH ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025102","versionId":1025102,"submittedOn":"2026-03-24"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":539117584}],"custodyNote":"Access Wealth Planning has custody of $116M in client assets for 122 clients.","leadership":[{"name":"Tracy Hagberg","title":"Chief Compliance Officer","crd":"1841992"},{"name":"Howard Milove","title":"Member","crd":"3230483"},{"name":"Howard Hook","title":"Member","crd":"4199828"},{"name":"Darren Zagarola","title":"Member","crd":"5121491"}],"ownership":[{"label":"Howard Milove","detail":"Member in the 10% to 25% ownership band and a control person, since January 2015."},{"label":"Howard Hook","detail":"Member in the 10% to 25% ownership band and a control person, since January 2015."},{"label":"Darren Zagarola","detail":"Member in the 50% to 75% ownership band and a control person, since January 2015."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New Jersey","offices":1,"addresses":[{"street":"120 Eagle Rock Avenue, Suite 230","city":"East Hanover","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"973-740-2400","stateRegisteredReps":6,"otherAdviserReps":3,"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)","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":25},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":64},{"label":"Cash and cash equivalents","percent":7}],"privateFunds":0},"sources":{"adv1FilingDate":"24 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/112973/PDF/112973.pdf","brochureDate":"24 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025102","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 Access Wealth Planning have?","answer":"Access Wealth Planning has 373 clients and manages $539 million for them, as of March 2026. They include 242 individual clients, 121 high-net-worth individuals, and 7 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Access Wealth Planning offer?","answer":"Access Wealth Planning provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Access Wealth Planning charge?","answer":"Access Wealth Planning charges up to 1.50% a year for its Investment Advisory Services. The fee is billed in advance and is negotiable.","source":"ACCESS WEALTH ADV PART 2A, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Access Wealth Planning use?","answer":"Access Wealth Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $539M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Access Wealth Planning have?","answer":"Access Wealth Planning has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. 1 employee is a registered representative 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 Access Wealth Planning invest in?","answer":"At the end of its last fiscal year, Access Wealth Planning’s separately managed accounts held 64% registered funds (mutual funds, ETFs, BDCs), 25% exchange-traded equities, 7% cash and equivalents, 3% state and local bonds and 1% U.S. government and agency bonds.","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 Access Wealth Planning?","answer":"Access Wealth Planning’s direct owners are Howard Milove (10% to 25%), Howard Hook (10% to 25%) and Darren Zagarola (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Access Wealth Planning get paid?","answer":"Access Wealth Planning 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":"Is Access Wealth Planning registered with the SEC?","answer":"Yes, Access Wealth Planning has been registered with the SEC as an investment adviser since 1 July 2001. Its CRD number is 112973 and its SEC file number is 801-60406.","source":"Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Access Wealth Planning?","answer":"Access Wealth Planning’s main office is at 120 Eagle Rock Avenue, Suite 230, East Hanover, NJ 07936. Its phone number is 973-740-2400. Its website is access-wealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 24 March 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."}