{"url":"https://nivawealth.com/firms/commonwealth-financial-planners-106831","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/106831","regulatoryAum":227631060,"crd":"106831","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4969895","suffix":null,"lastName":"Agurkis","firstName":"Michael","middleName":"Patrick"},{"crd":"6180823","suffix":null,"lastName":"GRAFF","firstName":"KELLY","middleName":"MARIE"}],"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":"2021-03-24","regulatoryAum":162955748,"clients":130,"employees":5,"offices":1},{"filedOn":"2022-03-30","regulatoryAum":185382806,"clients":131,"employees":4,"offices":1},{"filedOn":"2023-03-30","regulatoryAum":156199729,"clients":131,"employees":4,"offices":1},{"filedOn":"2024-03-27","regulatoryAum":180318918,"clients":138,"employees":4,"offices":1},{"filedOn":"2025-05-22","regulatoryAum":203578162,"clients":127,"employees":3,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":227631060,"clients":132,"employees":3,"offices":1}],"secFileNumber":"801-112991","legalName":"Commonwealth Financial Planners Inc","displayName":"Commonwealth Financial Planners","slug":"commonwealth-financial-planners-106831","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/commonwealth-financial-planners-inc","xUrl":"https://twitter.com/commonwealthfp","founded":"1983","organization":"Georgia corporation","fiscalYearEnd":"December","headquarters":{"street":"1033 Canton Street","city":"Roswell","state":"GA","stateName":"Georgia","country":"United States","postalCode":"30075"},"tradeNames":[],"registration":{"secApproved":"23 April 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1688872.1818181819,"staff":{"employees":3,"advisory":2,"brokerDealerReps":2,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":227631060,"discretionary":3761832,"discretionaryAccounts":3,"nonDiscretionary":223869228,"nonDiscretionaryAccounts":313,"wrapProgram":0,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":66,"regulatoryAum":28352083},{"label":"High-net-worth individuals","clients":66,"regulatoryAum":194579045},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":3761832},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":938100}],"feePrograms":[{"role":"other","program":"Financial planning","summary":"Hourly fee for financial planning clients, currently $175 an hour, billed upon completion of the plan.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034724","versionId":1034724,"submittedOn":"2026-03-31","documentName":"COMMONWEALTH FINANCIAL PLANNERS, INC. - PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T11:53:02.42008+00:00","documents":[{"name":"COMMONWEALTH FINANCIAL PLANNERS, INC. - PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034724","versionId":1034724,"submittedOn":"2026-03-31"}]},"custodians":[{"name":"Raymond James & Associates, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":92313364},{"name":"Raymond James Trust Company of New Hampshire","shortName":"Raymond James","location":"Portsmouth, NH","smaAssets":84604520}],"custodyNote":"Commonwealth Financial Planners does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Michael Agurkis","title":"Chief Compliance Officer/President/Corp Secretary","crd":"4969895"}],"ownership":[{"label":"Michael Agurkis","detail":"Chief compliance officer/president/corp secretary in the 75% or more ownership band and a control person, since September 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"1033 Canton Street","city":"Roswell","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"770-399-6644","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":23},{"label":"Non-exchange-traded equity securities","percent":6},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":51},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":9},{"label":"Other","percent":9,"detail":"Annuities & Market-Linked Notes."}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/106831/PDF/106831.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1034724","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 Commonwealth Financial Planners have?","answer":"Commonwealth Financial Planners has 132 clients and manages $228 million for them, as of March 2026. They include 66 individual clients and 66 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Commonwealth Financial Planners offer?","answer":"Commonwealth Financial Planners provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, retirement plan services, 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":"Which custodians does Commonwealth Financial Planners use?","answer":"Commonwealth Financial Planners’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $92.3M and Raymond James Trust Company of New Hampshire (Portsmouth, NH), with $84.6M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Commonwealth Financial Planners have?","answer":"Commonwealth Financial Planners has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Commonwealth Financial Planners invest in?","answer":"At the end of its last fiscal year, Commonwealth Financial Planners’ separately managed accounts held 51% registered funds (mutual funds, ETFs, BDCs), 23% exchange-traded equities, 9% cash and equivalents, 9% other, 6% non-exchange-traded equities, 1% high-yield corporate bonds and 1% pooled vehicles (private funds and similar). The 9% other category is described as: Annuities & Market-Linked Notes.","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 Commonwealth Financial Planners?","answer":"Commonwealth Financial Planners’ direct owner is Michael Agurkis (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Commonwealth Financial Planners get paid?","answer":"Commonwealth Financial Planners 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 Commonwealth Financial Planners?","answer":"Commonwealth Financial Planners’ main office is at 1033 Canton Street, Roswell, GA 30075. Its phone number is 770-399-6644.","source":"Form ADV Part 1A, Item 1.F, filed 31 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."}