{"url":"https://nivawealth.com/firms/brewster-financial-planning-125291","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/125291","regulatoryAum":239734631,"crd":"125291","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7881214","suffix":null,"lastName":"Adams","firstName":"Edwin","middleName":"Laurence"},{"crd":"4643367","suffix":null,"lastName":"BREWSTER","firstName":"CHARLES","middleName":"ERSKINE SCOTT"},{"crd":"7347884","suffix":null,"lastName":"Lin-Ham","firstName":"Wen Jie","middleName":null}],"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":"2021-03-23","regulatoryAum":150246317,"clients":101,"employees":4,"offices":1},{"filedOn":"2022-03-14","regulatoryAum":176399053,"clients":109,"employees":4,"offices":1},{"filedOn":"2023-03-09","regulatoryAum":151275712,"clients":111,"employees":4,"offices":1},{"filedOn":"2024-02-26","regulatoryAum":175897203,"clients":117,"employees":4,"offices":1},{"filedOn":"2025-05-21","regulatoryAum":204636372,"clients":120,"employees":4,"offices":1},{"filedOn":"2026-03-02","regulatoryAum":239734631,"clients":119,"employees":3,"offices":1}],"secFileNumber":"801-77668","legalName":"Brewster Financial Planning LLC","displayName":"Brewster Financial Planning","slug":"brewster-financial-planning-125291","website":"https://brewsterfp.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/125291/55eca63a48d5bbb4-r1.webp","tone":"dark","width":842,"height":200,"sourceUrl":"https://www.brewsterfp.com/","sourceLabel":"Brewster Financial Planning LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2001","organization":"New York limited liability company","fiscalYearEnd":"December","headquarters":{"street":"641 President Street, Suite 106","city":"Brooklyn","state":"NY","stateName":"New York","country":"United States","postalCode":"11215"},"tradeNames":[],"registration":{"secApproved":"27 February 2013","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2030169.372881356,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":239734631,"discretionary":237998138,"discretionaryAccounts":627,"nonDiscretionary":1736493,"nonDiscretionaryAccounts":5,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":13,"regulatoryAum":4584239},{"label":"High-net-worth individuals","clients":105,"regulatoryAum":234975747},{"label":"Insurance companies","clients":1,"fewerThan5":true,"regulatoryAum":174645}],"feePrograms":[{"role":"main","program":"Investment Advisory Agreement","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":0.85,"from":0},{"to":2000000,"pct":0.65,"from":1000000},{"to":8000000,"pct":0.5,"from":2000000},{"to":null,"pct":0.4,"from":8000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013235","versionId":1013235,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-02","documentName":"BREWSTER FINANCIAL PLANNING LLC ADV2A","fee_rate_low":0.4,"fee_rate_high":0.85,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":8500},{"role":"other","program":"Financial Planning Services","summary":"Fee based on an hourly rate of $350, negotiable; follow-up work is billed separately at $350 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013235","versionId":1013235,"submittedOn":"2026-03-02","documentName":"BREWSTER FINANCIAL PLANNING LLC ADV2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:46:44.610862+00:00","documents":[{"name":"BREWSTER FINANCIAL PLANNING LLC ADV2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013235","versionId":1013235,"submittedOn":"2026-03-02"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":191780903}],"custodyNote":"Brewster Financial Planning has custody of $115M in client assets for 94 clients.","otherCustodians":[],"leadership":[{"name":"Charles Brewster","title":"Managing Member, Chief Compliance Officer","crd":"4643367"}],"ownership":[{"label":"Charles Brewster","detail":"Managing member, chief compliance officer in the 75% or more ownership band and a control person, since April 2001."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New York","offices":1,"addresses":[{"street":"641 President Street, Suite 106","city":"Brooklyn","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"646-249-9880","stateRegisteredReps":3,"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","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":65},{"label":"Securities issued by registered investment companies or business development companies","percent":34},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"2 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/125291/PDF/125291.pdf","brochureDate":"2 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013235","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 Brewster Financial Planning have?","answer":"Brewster Financial Planning has 119 clients and manages $240 million for them, as of March 2026. They include 105 high-net-worth individuals, 13 individual clients and 1 insurance company.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Brewster Financial Planning offer?","answer":"Brewster Financial Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, 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 Brewster Financial Planning charge?","answer":"Brewster Financial Planning charges 0.40%–0.85% a year for its Investment Advisory Agreement. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $8,500 annual minimum.","source":"BREWSTER FINANCIAL PLANNING LLC ADV2A, filed 2 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Brewster Financial Planning use?","answer":"Brewster Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $192M. Only custodians holding at least a tenth of those assets are named.","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 Brewster Financial Planning have?","answer":"Brewster Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Brewster Financial Planning invest in?","answer":"At the end of its last fiscal year, Brewster Financial Planning’s separately managed accounts held 65% exchange-traded equities, 34% registered funds (mutual funds, ETFs, BDCs) and 1% 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 Brewster Financial Planning?","answer":"Brewster Financial Planning’s direct owner is Charles Brewster (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Brewster Financial Planning get paid?","answer":"Brewster Financial Planning 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 Brewster Financial Planning?","answer":"Brewster Financial Planning’s main office is at 641 President Street, Suite 106, Brooklyn, NY 11215. Its phone number is 646-249-9880. Its website is brewsterfp.com.","source":"Form ADV Part 1A, Item 1.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/brewster-financial-planning-125291/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-14","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1898145/000189814526000003/0001898145-26-000003-index.html","totalValue":182128262,"positionCount":30,"top10Share":0.9400941903239597,"top10":[{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 ETF","cusip":"464287622","value":48737871,"shares":119018,"shareType":"SH","priorValue":42780782,"priorShares":119982},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE ETF","cusip":"464287465","value":33822497,"shares":325592,"shareType":"SH","priorValue":31775086,"priorShares":327140},{"issuer":"ISHARES TR","titleOfClass":"RUSSELL 2000 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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."}