{"url":"https://nivawealth.com/firms/core-planning-154660","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/154660","regulatoryAum":525029564,"crd":"154660","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6229586","suffix":null,"lastName":"Abernathy","firstName":"Dawn","middleName":"Carolyn"},{"crd":"6658652","suffix":null,"lastName":"ARLOTTA","firstName":"DANIELLE","middleName":"RITA"},{"crd":"6827888","suffix":null,"lastName":"BROCKMANN","firstName":"CLIFFORD","middleName":"ANDREW"},{"crd":"8259103","suffix":null,"lastName":"Carr","firstName":"Anita","middleName":null},{"crd":"5933016","suffix":null,"lastName":"Casey","firstName":"Keenan","middleName":"Dean"},{"crd":"6558754","suffix":null,"lastName":"Deng","firstName":"Lei","middleName":null},{"crd":"8262282","suffix":null,"lastName":"Dier","firstName":"Gregory","middleName":"John"},{"crd":"6339117","suffix":null,"lastName":"FARRELL","firstName":"DANIEL","middleName":"WILLIAM"},{"crd":"7340136","suffix":null,"lastName":"Fedak","firstName":"Jason","middleName":"R"},{"crd":"8183125","suffix":null,"lastName":"Feldman","firstName":"Drew","middleName":null},{"crd":"8333869","suffix":null,"lastName":"Fontinelle","firstName":"Amy","middleName":null},{"crd":"7654582","suffix":null,"lastName":"FORTUNA","firstName":"ROBERTO","middleName":null},{"crd":"8230190","suffix":null,"lastName":"Gao","firstName":"Rong","middleName":"Rebecca"},{"crd":"7389817","suffix":null,"lastName":"George","firstName":"Jacob","middleName":"M"},{"crd":"6987062","suffix":null,"lastName":"GILBERTI","firstName":"JORDAN","middleName":"ROBERT"},{"crd":"4359700","suffix":null,"lastName":"GORDON","firstName":"MARIKO","middleName":"OSCEOLA"},{"crd":"8060654","suffix":null,"lastName":"Gothreau","firstName":"Shai-Lin","middleName":null},{"crd":"7045802","suffix":null,"lastName":"Hamann","firstName":"Jared","middleName":"Nicholas Monroe"},{"crd":"4724633","suffix":null,"lastName":"HIGHET","firstName":"SUZANNE","middleName":"KAISER"},{"crd":"8069779","suffix":null,"lastName":"Hogans","firstName":"Tavarus","middleName":null},{"crd":"7859011","suffix":null,"lastName":"Howard","firstName":"Danny","middleName":"Joe"},{"crd":"7228579","suffix":null,"lastName":"HOWARD","firstName":"EUSEVIUS","middleName":"I"},{"crd":"6468801","suffix":null,"lastName":"JACKSON","firstName":"CHRISTOPHER","middleName":null},{"crd":"8054544","suffix":null,"lastName":"Kellogg","firstName":"Josiah","middleName":null},{"crd":"3277019","suffix":null,"lastName":"KELLY","firstName":"SETH","middleName":"ALAN"},{"crd":"6330801","suffix":null,"lastName":"Kirkendale-Haak","firstName":"Michael","middleName":"Allen"},{"crd":"8189774","suffix":null,"lastName":"Kooger","firstName":"David","middleName":null},{"crd":"7364007","suffix":null,"lastName":"Kovarik","firstName":"Stan","middleName":"J"},{"crd":"5948863","suffix":null,"lastName":"LAM","firstName":"IRENE","middleName":null},{"crd":"5439729","suffix":null,"lastName":"LEE","firstName":"MEE-KYONG","middleName":null},{"crd":"6062291","suffix":null,"lastName":"MAIZELS","firstName":"HARRISON","middleName":"WILLIAM"},{"crd":"8307644","suffix":null,"lastName":"Martinez","firstName":"Albert","middleName":null},{"crd":"4548393","suffix":null,"lastName":"MCANDREW","firstName":"PATRICK","middleName":"DAVID"},{"crd":"6152205","suffix":null,"lastName":"MCIVOR","firstName":"MADELINE","middleName":null},{"crd":"7346379","suffix":null,"lastName":"Millar","firstName":"Tanner","middleName":null},{"crd":"5899552","suffix":null,"lastName":"Miller","firstName":"Christopher","middleName":"M"},{"crd":"6843594","suffix":null,"lastName":"Miller","firstName":"Joel","middleName":"Stephen"},{"crd":"5887067","suffix":null,"lastName":"MIU","firstName":"MARCEL","middleName":"MARIO"},{"crd":"7684831","suffix":null,"lastName":"Moran","firstName":"Andrew","middleName":"Joseph"},{"crd":"6266219","suffix":"III","lastName":"Neary","firstName":"Jerome","middleName":"A"},{"crd":"7050977","suffix":null,"lastName":"Novak","firstName":"Max","middleName":"Cooper"},{"crd":"6435334","suffix":null,"lastName":"Novak","firstName":"Zachary","middleName":"Scott"},{"crd":"5267938","suffix":null,"lastName":"PENN","firstName":"GUY","middleName":"MICHAEL"},{"crd":"2871009","suffix":null,"lastName":"PETERSEN","firstName":"JON","middleName":"FREDERICK"},{"crd":"5227687","suffix":null,"lastName":"PETERSON","firstName":"CHRISTOPHER","middleName":"G"},{"crd":"6583189","suffix":null,"lastName":"Petty","firstName":"Stuart","middleName":"Blake"},{"crd":"8304750","suffix":null,"lastName":"Powell","firstName":"Joseph","middleName":null},{"crd":"5208633","suffix":null,"lastName":"PULLARO","firstName":"Justin","middleName":null},{"crd":"7835814","suffix":null,"lastName":"Ren","firstName":"Leon","middleName":null},{"crd":"4752124","suffix":null,"lastName":"RITTER","firstName":"PATRICK","middleName":"M"},{"crd":"4799628","suffix":null,"lastName":"RODRIGUEZ","firstName":"ERIC","middleName":null},{"crd":"4430713","suffix":null,"lastName":"SCHEFFER","firstName":"ANDREW","middleName":"W"},{"crd":"7833372","suffix":null,"lastName":"Schneider","firstName":"Joseph","middleName":"Francisco"},{"crd":"7254375","suffix":null,"lastName":"Scott","firstName":"Emily","middleName":"Grace"},{"crd":"8168383","suffix":null,"lastName":"Smutniak","firstName":"John","middleName":"Joseph"},{"crd":"6120014","suffix":null,"lastName":"STALTER","firstName":"MARIA","middleName":"KATHARINE"},{"crd":"7827119","suffix":null,"lastName":"Sugasawara","firstName":"Korinne","middleName":"Kay"},{"crd":"6960650","suffix":null,"lastName":"Taylor","firstName":"Christopher","middleName":"Jordan"},{"crd":"6863686","suffix":null,"lastName":"Tran","firstName":"Roger","middleName":"George"},{"crd":"7935553","suffix":null,"lastName":"Vestal","firstName":"Frank","middleName":null},{"crd":"6371759","suffix":null,"lastName":"Waggoner","firstName":"Andrew","middleName":"Alan"},{"crd":"6383953","suffix":null,"lastName":"WAGNER","firstName":"MICHELLE","middleName":"RAE"},{"crd":"8168384","suffix":null,"lastName":"Young","firstName":"Jasmine","middleName":null}],"total":63,"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":"2025-06-06","regulatoryAum":121451500,"clients":359,"employees":32,"offices":1},{"filedOn":"2026-09-15","regulatoryAum":525029564,"clients":867,"employees":65,"offices":1}],"secFileNumber":"801-131950","legalName":"Core Planning, LLC","displayName":"Core Planning","slug":"core-planning-154660","website":"https://corepln.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Missouri limited liability company","fiscalYearEnd":"December","headquarters":{"street":"706 N Main St","city":"Ofallon","state":"MO","stateName":"Missouri","country":"United States","postalCode":"63366"},"tradeNames":["Ad Astra","American Wealth Planner","Anchorline Financial","Arden Financial","Awx Financial","CPJ Financial","Core","Corealign","Desert Crest Financial","Fedak Financial Planning","Flames Financial Planning","Goldrise Wealth Advisors","H3FP","Howard Legacy Wealth Management","Infinity Financial Services","Kite and Compass Financial","Money for Makers","Neary Financial Planning","Novak Financial Partners","Pathfinder Planning and Investments","Peterson Wealth Advisory","Pink Thread","Ren Investments","Sage Wealth Group","Savor Financial","Seam Fi","Summit Ridge Wealth","Uzume","Wellful Money","Worthwhile Retirement"],"registration":{"secApproved":"13 February 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":605570.431372549,"staff":{"employees":65,"advisory":61,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":525029564,"discretionary":500446055,"discretionaryAccounts":674,"nonDiscretionary":24583509,"nonDiscretionaryAccounts":331,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":745,"regulatoryAum":245123111},{"label":"High-net-worth individuals","clients":122,"regulatoryAum":279906453}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027758","versionId":1027758,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-26","documentName":"ADV PART 2A - BROCHURE","fee_rate_low":null,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"Ongoing planning fee paid upfront, not to exceed $1,200 or more than six months in advance; hourly project planning billed at a maximum of $400 an hour, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027758","versionId":1027758,"submittedOn":"2026-03-26","documentName":"ADV PART 2A - BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:54:37.86607+00:00","documents":[{"name":"ADV PART 2A - BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027758","versionId":1027758,"submittedOn":"2026-03-26"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027765","versionId":1027765,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027764","versionId":1027764,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027763","versionId":1027763,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027762","versionId":1027762,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027761","versionId":1027761,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027760","versionId":1027760,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027759","versionId":1027759,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=961615","versionId":961615,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945514","versionId":945514,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945513","versionId":945513,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945512","versionId":945512,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945511","versionId":945511,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945510","versionId":945510,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945509","versionId":945509,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945508","versionId":945508,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=945507","versionId":945507,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935225","versionId":935225,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935224","versionId":935224,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935223","versionId":935223,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935221","versionId":935221,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935220","versionId":935220,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935219","versionId":935219,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935218","versionId":935218,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935217","versionId":935217,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935216","versionId":935216,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935214","versionId":935214,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935213","versionId":935213,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935211","versionId":935211,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935209","versionId":935209,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935208","versionId":935208,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935207","versionId":935207,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935206","versionId":935206,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935205","versionId":935205,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935204","versionId":935204,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935203","versionId":935203,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935202","versionId":935202,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935201","versionId":935201,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935200","versionId":935200,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=935199","versionId":935199,"submittedOn":null}]},"custodians":[{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":13361841},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":17651949}],"custodyNote":"Core Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Guy Penn","title":"CCO","crd":"5267938"}],"ownership":[{"label":"Guy Penn","detail":"Cco in the 75% or more ownership band and a control person, since July 2010."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Missouri","offices":1,"addresses":[{"street":"706 N Main St","city":"Ofallon","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"636-734-7507","stateRegisteredReps":61,"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":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":95},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"15 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/154660/PDF/154660.pdf","brochureDate":"26 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027758","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 Core Planning have?","answer":"Core Planning has 867 clients and manages $525 million for them, as of September 2026. They include 745 individual clients and 122 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 15 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Core Planning offer?","answer":"Core Planning 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 Core Planning charge?","answer":"Core Planning charges up to 1.25% a year for its Asset Management. The fee is billed in arrears and is negotiable.","source":"ADV PART 2A - BROCHURE, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Core Planning use?","answer":"Core Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $17.7M and Altruist Financial LLC (Culver City, CA), with $13.4M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Core Planning have?","answer":"Core Planning has 61 investment adviser representatives registered with state securities authorities, out of 65 employees, and 61 perform investment advisory functions. 0 employees are registered representatives 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 Core Planning invest in?","answer":"At the end of its last fiscal year, Core Planning’s separately managed accounts held 95% exchange-traded equities and 5% 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 Core Planning?","answer":"Core Planning’s direct owner is Guy Penn (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 15 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Core Planning get paid?","answer":"Core 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 Core Planning?","answer":"Core Planning’s main office is at 706 N Main St, Ofallon, MO 63366. Its phone number is 636-734-7507. Its website is corepln.com.","source":"Form ADV Part 1A, Item 1.F, filed 15 September 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."}