{"url":"https://nivawealth.com/firms/advice-and-planning-services-283626","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/283626","regulatoryAum":187120487,"crd":"283626","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6821803","suffix":null,"lastName":"Bryner","firstName":"Christina","middleName":"Marie"},{"crd":"4392246","suffix":null,"lastName":"NAUGLE","firstName":"RYAN","middleName":"DOUGLAS"}],"total":2,"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":"2021-02-17","regulatoryAum":108642494,"clients":235,"employees":2,"offices":1},{"filedOn":"2022-01-04","regulatoryAum":128518116,"clients":248,"employees":2,"offices":1},{"filedOn":"2023-02-01","regulatoryAum":113664723,"clients":324,"employees":2,"offices":1},{"filedOn":"2024-01-24","regulatoryAum":133869123,"clients":354,"employees":1,"offices":1},{"filedOn":"2025-02-03","regulatoryAum":169924873,"clients":353,"employees":1,"offices":1},{"filedOn":"2026-03-02","regulatoryAum":187120487,"clients":319,"employees":1,"offices":1}],"secFileNumber":"801-120211","legalName":"Advice 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LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=940185","versionId":940185,"submittedOn":"2026-03-02"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=462700","versionId":462700,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab","shortName":"Charles Schwab","location":"Orlando, FL","smaAssets":0},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":0}],"custodyNote":"Advice & Planning Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Ryan Naugle","title":"Chief Compliance Officer","crd":"4392246"}],"ownership":[{"label":"Ryan Naugle","detail":"Chief compliance officer in the 75% or more ownership band and a control person, since April 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Pennsylvania","offices":1,"addresses":[{"street":"10 North 4th Street, Suite 100","city":"Youngwood","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"724-635-0427","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":92},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":5},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"2 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/283626/PDF/283626.pdf","brochureDate":"2 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=940185","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 Advice & Planning Services have?","answer":"Advice & Planning Services has 319 clients and manages $187 million for them, as of March 2026. They include 275 individual clients and 44 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Advice & Planning Services offer?","answer":"Advice & Planning Services provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Advice & Planning Services charge?","answer":"Advice & Planning Services charges 0.65%–1.05% a year for its Portfolio Management. The fee is billed in advance.","source":"ADV PART 2A- ADVICE & PLANNING SERVICES LLC, filed 2 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Advice & Planning Services use?","answer":"The filing also lists Charles Schwab and Altruist Financial LLC with no separately managed account assets.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Advice & Planning Services have?","answer":"Advice & Planning Services has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 0 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 Advice & Planning Services invest in?","answer":"At the end of its last fiscal year, Advice & Planning Services’ separately managed accounts held 92% exchange-traded equities, 5% investment grade corporate bonds, 3% cash and equivalents, 1% U.S. government and agency bonds and 1% state and local 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 Advice & Planning Services?","answer":"Advice & Planning Services’ direct owner is Ryan Naugle (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Advice & Planning Services get paid?","answer":"Advice & Planning Services is paid through a percentage of assets under management, hourly charges 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 Advice & Planning Services?","answer":"Advice & Planning Services’ main office is at 10 North 4th Street, Suite 100, Youngwood, PA 15697. Its phone number is 724-635-0427. Its website is adviceandplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 2 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."}