{"url":"https://nivawealth.com/firms/cypress-financial-planning-151014","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/151014","regulatoryAum":490443121,"crd":"151014","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6941453","suffix":null,"lastName":"ARMBRUSTER","firstName":"DAVID","middleName":"ALLEN"},{"crd":"7962455","suffix":null,"lastName":"DEVINE","firstName":"THOMAS","middleName":"PATRICK"},{"crd":"5348132","suffix":null,"lastName":"JONES","firstName":"JEFFREY","middleName":"RUSSELL"},{"crd":"5549495","suffix":null,"lastName":"PITTS","firstName":"BENJAMIN","middleName":"JARED"},{"crd":"4831926","suffix":null,"lastName":"POWERS","firstName":"EVAN","middleName":"N/M/I"},{"crd":"5432756","suffix":null,"lastName":"RUOFF","firstName":"KURT","middleName":"HERMAN"},{"crd":"5876202","suffix":null,"lastName":"WHALEN","firstName":"JAMES","middleName":"R"}],"total":7,"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":"2021-07-07","regulatoryAum":198622578,"clients":279,"employees":5,"offices":2},{"filedOn":"2022-07-08","regulatoryAum":249727905,"clients":326,"employees":6,"offices":2},{"filedOn":"2023-02-20","regulatoryAum":233988878,"clients":362,"employees":6,"offices":2},{"filedOn":"2024-01-24","regulatoryAum":307722615,"clients":390,"employees":6,"offices":3},{"filedOn":"2025-06-12","regulatoryAum":394972037,"clients":424,"employees":7,"offices":4},{"filedOn":"2026-07-21","regulatoryAum":490443121,"clients":432,"employees":7,"offices":4}],"secFileNumber":"801-112700","legalName":"Cypress Financial Planning, LLC","displayName":"Cypress Financial Planning","slug":"cypress-financial-planning-151014","website":"https://cypressplanning.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/151014/b3f688351e5d8e4d-r1.webp","tone":"dark","width":753,"height":200,"sourceUrl":"https://cypressplanning.com/","sourceLabel":"Cypress Financial Planning, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/cypress-financial-planning/","founded":"2009","organization":"New Jersey limited liability company","fiscalYearEnd":"December","headquarters":{"street":"400 White Horse Pike","city":"Haddon Heights","state":"NJ","stateName":"New Jersey","country":"United States","postalCode":"08035"},"tradeNames":[],"registration":{"secApproved":"26 March 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1138351.3981264636,"staff":{"employees":7,"advisory":6,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":490443121,"discretionary":342513869,"discretionaryAccounts":1170,"nonDiscretionary":147929252,"nonDiscretionaryAccounts":412,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":53},"clientTypes":[{"label":"Individuals (other than HNW)","clients":319,"regulatoryAum":181470985},{"label":"High-net-worth individuals","clients":108,"regulatoryAum":304605062},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":3521129},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":845945}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1.2,"from":0},{"to":2000000,"pct":1.05,"from":1000000},{"to":3000000,"pct":0.92,"from":2000000},{"to":4000000,"pct":0.79,"from":3000000},{"to":5000000,"pct":0.66,"from":4000000},{"to":7500000,"pct":0.54,"from":5000000},{"to":null,"pct":0.39,"from":7500000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060233","versionId":1060233,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-10-06","documentName":"10 06 2026 CYP FORM ADV PART 2A AND 2B FINAL","fee_rate_low":0.39,"fee_rate_high":1.2,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is a fixed fee, typically $1,500 to $5,000, depending on the nature and complexity of each client’s circumstances, due in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060233","versionId":1060233,"submittedOn":"2026-10-06","documentName":"10 06 2026 CYP FORM ADV PART 2A AND 2B FINAL"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:27:09.341689+00:00","documents":[{"name":"10 06 2026 CYP FORM ADV PART 2A AND 2B FINAL","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060233","versionId":1060233,"submittedOn":"2026-10-06"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":423455049}],"custodyNote":"Cypress Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Kurt Ruoff","title":"Managing Partner, Chief Compliance Officer and Senior Financial Planner","crd":"5432756"},{"name":"Jeffrey Jones","title":"Owner, Principal and Senior Financial Planner","crd":"5348132"},{"name":"Benjamin Pitts","title":"Owner and Principal","crd":"5549495"},{"name":"Evan Powers","title":"Principal and Financial Planner","crd":"4831926"},{"name":"Bradley Sorensen","title":"Chief Investment Officer","crd":"3082269"}],"ownership":[{"label":"Jeffrey Jones","detail":"Owner, principal and senior financial planner in the 75% or more ownership band and a control person, since April 2026."},{"label":"Benjamin Pitts","detail":"Owner and principal in the 5% to 10% ownership band and a control person, since May 2012."},{"label":"Evan Powers","detail":"Principal and financial planner in the 10% to 25% ownership band and a control person, since December 2016."},{"label":"Kurt Ruoff","detail":"Managing partner, chief compliance officer and senior financial planner in the 10% to 25% ownership band and a control person, since April 2026."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":2},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"New Jersey","offices":1,"addresses":[{"street":"400 White Horse Pike","city":"Haddon Heights","headquarters":true}]},{"state":"Virginia","offices":1,"addresses":[{"street":"700 Harris Street","city":"Charlottesville"}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"856-720-0027","stateRegisteredReps":6,"otherAdviserReps":0,"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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"U.S. government/agency bonds","percent":1},{"label":"Investment grade corporate bonds","percent":11},{"label":"Securities issued by registered investment companies or business development companies","percent":76},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"21 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/151014/PDF/151014.pdf","brochureDate":"6 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060233","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 Cypress Financial Planning have?","answer":"Cypress Financial Planning has 432 clients and manages $490 million for them, as of July 2026. They include 319 individual clients, 108 high-net-worth individuals, and 5 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 21 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cypress Financial Planning offer?","answer":"Cypress Financial Planning provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, 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 Cypress Financial Planning charge?","answer":"Cypress Financial Planning charges 0.39%–1.20% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.","source":"10 06 2026 CYP FORM ADV PART 2A AND 2B FINAL, filed 6 October 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cypress Financial Planning use?","answer":"Cypress Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $423M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cypress Financial Planning have?","answer":"Cypress Financial Planning has 6 investment adviser representatives registered with state securities authorities, out of 7 employees, and 6 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 Cypress Financial Planning invest in?","answer":"At the end of its last fiscal year, Cypress Financial Planning’s separately managed accounts held 76% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 11% investment grade corporate bonds, 1% U.S. government and agency bonds 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 Cypress Financial Planning?","answer":"Cypress Financial Planning’s direct owners are Jeffrey Jones (75% or more), Benjamin Pitts (5% to 10%), Evan Powers (10% to 25%) and Kurt Ruoff (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 21 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cypress Financial Planning get paid?","answer":"Cypress Financial 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":"How do I contact Cypress Financial Planning?","answer":"Cypress Financial Planning’s main office is at 400 White Horse Pike, Haddon Heights, NJ 08035. Its phone number is 856-720-0027. Its website is cypressplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 21 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/cypress-financial-planning-151014/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-09","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1937021/000193702126000003/0001937021-26-000003-index.html","totalValue":412919106,"positionCount":109,"top10Share":0.7048041947470457,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":41271085,"shares":55110,"shareType":"SH","priorValue":34342025,"priorShares":52574},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INT-TERM CORP","cusip":"92206C870","value":40029715,"shares":484328,"shareType":"SH","priorValue":37662043,"priorShares":455130},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INTER TERM TREAS","cusip":"92206C706","value":38678794,"shares":655795,"shareType":"SH","priorValue":36421106,"priorShares":611605},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":36553093,"shares":462522,"shareType":"SH","priorValue":35211291,"priorShares":444194},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":34938687,"shares":490368,"shareType":"SH","priorValue":31267269,"priorShares":487941},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"EXTEND MKT ETF","cusip":"922908652","value":29719764,"shares":120709,"shareType":"SH","priorValue":24209386,"priorShares":117636},{"issuer":"ISHARES TR","titleOfClass":"CORE DIV GRWTH","cusip":"46434V621","value":20239027,"shares":267041,"shareType":"SH","priorValue":18156402,"priorShares":258712},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":19046085,"shares":197512,"shareType":"SH","priorValue":17357087,"priorShares":195683},{"issuer":"JANUS DETROIT STR TR","titleOfClass":"HENDERSON MTG","cusip":"47103U852","value":18679892,"shares":415201,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":11870976,"shares":122913,"shareType":"SH","priorValue":10210154,"priorShares":112782}],"positionsListed":109,"positions":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":41271085,"shares":55110,"shareType":"SH","priorValue":34342025,"priorShares":52574},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INT-TERM CORP","cusip":"92206C870","value":40029715,"shares":484328,"shareType":"SH","priorValue":37662043,"priorShares":455130},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INTER TERM TREAS","cusip":"92206C706","value":38678794,"shares":655795,"shareType":"SH","priorValue":36421106,"priorShares":611605},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":36553093,"shares":462522,"shareType":"SH","priorValue":35211291,"priorShares":444194},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":34938687,"shares":490368,"shareType":"SH","priorValue":31267269,"priorShares":487941},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"EXTEND MKT ETF","cusip":"922908652","value":29719764,"shares":120709,"shareType":"SH","priorValue":24209386,"priorShares":117636},{"issuer":"ISHARES TR","titleOfClass":"CORE DIV GRWTH","cusip":"46434V621","value":20239027,"shares":267041,"shareType":"SH","priorValue":18156402,"priorShares":258712},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":19046085,"shares":197512,"shareType":"SH","priorValue":17357087,"priorShares":195683},{"issuer":"JANUS DETROIT STR TR","titleOfClass":"HENDERSON MTG","cusip":"47103U852","value":18679892,"shares":415201,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":11870976,"shares":122913,"shareType":"SH","priorValue":10210154,"priorShares":112782},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":11588859,"shares":194151,"shareType":"SH","priorValue":10313054,"priorShares":190806},{"issuer":"MORGAN STANLEY","titleOfClass":"COM NEW","cusip":"617446448","value":9961663,"shares":47654,"shareType":"SH","priorValue":6211739,"priorShares":37745},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":8789723,"shares":37147,"shareType":"SH","priorValue":8204109,"priorShares":38148},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":8369413,"shares":11207,"shareType":"SH","priorValue":6880000,"priorShares":10579},{"issuer":"ISHARES INC","titleOfClass":"CORE MSCI EMKT","cusip":"46434G103","value":5053237,"shares":61000,"shareType":"SH","priorValue":3996326,"priorShares":57295},{"issuer":"CAPITAL ONE FINL CORP","titleOfClass":"COM","cusip":"14040H105","value":4554295,"shares":22701,"shareType":"SH","priorValue":4141357,"priorShares":22701},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP VA ETF","cusip":"808524409","value":3754537,"shares":107858,"shareType":"SH","priorValue":3169255,"priorShares":103910},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP GR ETF","cusip":"808524300","value":3448942,"shares":101919,"shareType":"SH","priorValue":2863304,"priorShares":98294},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":3045226,"shares":10524,"shareType":"SH","priorValue":2836999,"priorShares":11179},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":2484239,"shares":3373,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":2456459,"shares":16563,"shareType":"SH","priorValue":2124582,"priorShares":17091},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":2356480,"shares":3200,"shareType":"SH","putCall":"Put","priorValue":1854653,"priorShares":3200},{"issuer":"MORGAN STANLEY","titleOfClass":"COM NEW","cusip":"617446448","value":2090400,"shares":10000,"shareType":"SH","putCall":"Put","priorValue":1645712,"priorShares":10000},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"GROWTH ETF","cusip":"922908736","value":1979780,"shares":22983,"shareType":"SH","priorValue":1658929,"priorShares":3798},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":1849441,"shares":3696,"shareType":"SH","priorValue":1813293,"priorShares":3784},{"issuer":"LOCKHEED MARTIN CORP","titleOfClass":"COM","cusip":"539830109","value":1694980,"shares":3327,"shareType":"SH","priorValue":1855155,"priorShares":3069},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":1620008,"shares":4378,"shareType":"SH","priorValue":647940,"priorShares":2020},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":1605701,"shares":6737,"shareType":"SH","priorValue":1482470,"priorShares":7118},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"CORE FIXE IN ETF","cusip":"25434V872","value":1542607,"shares":36546,"shareType":"SH","priorValue":1399129,"priorShares":33139},{"issuer":"ISHARES TR","titleOfClass":"NATIONAL MUN ETF","cusip":"464288414","value":1486878,"shares":13816,"shareType":"SH","priorValue":1378039,"priorShares":12982},{"issuer":"ISHARES TR","titleOfClass":"7-10 YR TRSY BD","cusip":"464287440","value":1468956,"shares":15533,"shareType":"SH","priorValue":1482470,"priorShares":15533},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"GLOBAL CR ETF","cusip":"25434V567","value":1383971,"shares":25315,"shareType":"SH","priorValue":1340429,"priorShares":24761},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"SHOR DUR FIX ETF","cusip":"25434V864","value":1367465,"shares":28638,"shareType":"SH","priorValue":1362761,"priorShares":28462},{"issuer":"PGIM ROCK ETF TR","titleOfClass":"S&P 500 BUFFER","cusip":"69420N726","value":1190906,"shares":36656,"shareType":"SH","priorValue":1129484,"priorShares":38034},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EUROPE ETF","cusip":"922042874","value":1131807,"shares":12783,"shareType":"SH","priorValue":1053620,"priorShares":12782},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST NUVE TERM ETF","cusip":"78468R739","value":1102428,"shares":22984,"shareType":"SH","priorValue":979893,"priorShares":20487},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US SML CP VALU","cusip":"025072877","value":977120,"shares":7832,"shareType":"SH"},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR NUVEE ETF","cusip":"78468R721","value":961892,"shares":21002,"shareType":"SH","priorValue":867536,"priorShares":19134},{"issuer":"ISHARES TR","titleOfClass":"IBOXX INV CP ETF","cusip":"464287242","value":927132,"shares":8500,"shareType":"SH","priorValue":992217,"priorShares":9104},{"issuer":"PGIM ROCK ETF TR","titleOfClass":"S&P 500 BUFFER","cusip":"69420N304","value":884804,"shares":26016,"shareType":"SH","priorValue":772539,"priorShares":24697},{"issuer":"ISHARES TR","titleOfClass":"MSCI EAFE ETF","cusip":"464287465","value":883754,"shares":8507,"shareType":"SH","priorValue":863896,"priorShares":8894},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":882600,"shares":7108,"shareType":"SH","priorValue":757713,"priorShares":1777},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"VALUE ETF","cusip":"922908744","value":872507,"shares":4004,"shareType":"SH","priorValue":775421,"priorShares":3952},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":856176,"shares":2616,"shareType":"SH","priorValue":699947,"priorShares":2379},{"issuer":"PGIM ROCK ETF TR","titleOfClass":"S&P 500 BUFFER","cusip":"69420N502","value":822242,"shares":23911,"shareType":"SH","priorValue":661223,"priorShares":20868},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":807894,"shares":4038,"shareType":"SH","priorValue":626479,"priorShares":3592},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"INTL SMCP VLU","cusip":"025072802","value":792970,"shares":7695,"shareType":"SH"},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LRG CAP ETF","cusip":"808524201","value":776686,"shares":26391,"shareType":"SH","priorValue":697702,"priorShares":27211},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":766427,"shares":2169,"shareType":"SH","priorValue":622234,"priorShares":2169},{"issuer":"JOHNSON CONTROLS INTERNATION","titleOfClass":"SHS","cusip":"G51502105","value":750129,"shares":5134,"shareType":"SH","priorValue":672297,"priorShares":5134},{"issuer":"NETFLIX INC.","titleOfClass":"COM","cusip":"64110L106","value":693508,"shares":9713,"shareType":"SH","priorValue":926598,"priorShares":9637},{"issuer":"VISA INC","titleOfClass":"COM CL A","cusip":"92826C839","value":685548,"shares":1998,"shareType":"SH","priorValue":524386,"priorShares":1735},{"issuer":"VANGUARD MUN BD FDS","titleOfClass":"TAX EXEMPT BD","cusip":"922907746","value":661232,"shares":13073,"shareType":"SH","priorValue":568646,"priorShares":11398},{"issuer":"SPDR INDEX SHS FDS","titleOfClass":"ST STR PO EX ETF","cusip":"78463X889","value":659303,"shares":13084,"shareType":"SH","priorValue":610660,"priorShares":13377},{"issuer":"ISHARES TR","titleOfClass":"SP SMCP600VL ETF","cusip":"464287879","value":653523,"shares":4781,"shareType":"SH","priorValue":565240,"priorShares":4772},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":650417,"shares":7401,"shareType":"SH","priorValue":579496,"priorShares":7571},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"ULTR FIX INC ETF","cusip":"25434V591","value":625150,"shares":12311,"shareType":"SH","priorValue":709012,"priorShares":13982},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY PWR BUF","cusip":"45782C656","value":599295,"shares":13014,"shareType":"SH","priorValue":702653,"priorShares":16318},{"issuer":"ISHARES TR","titleOfClass":"RUSSELL 2000 ETF","cusip":"464287655","value":584075,"shares":1944,"shareType":"SH","priorValue":494760,"priorShares":1995},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":580527,"shares":845,"shareType":"SH","priorValue":484702,"priorShares":811},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST INTER BD ETF","cusip":"78464A375","value":571731,"shares":17087,"shareType":"SH","priorValue":579806,"priorShares":17287},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SMALL CP ETF","cusip":"922908751","value":564713,"shares":1863,"shareType":"SH","priorValue":405452,"priorShares":1548},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":510192,"shares":1368,"shareType":"SH","priorValue":525465,"priorShares":1420},{"issuer":"EA SERIES TRUST","titleOfClass":"CAMB US EQUA ETF","cusip":"02072Q572","value":506531,"shares":9073,"shareType":"SH","priorValue":443489,"priorShares":9073},{"issuer":"PGIM ROCK ETF TR","titleOfClass":"S&P 500 BUFFER","cusip":"69420N106","value":492850,"shares":14195,"shareType":"SH","priorValue":405448,"priorShares":12706},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTL DE PWR DECE","cusip":"45783Y426","value":484607,"shares":14121,"shareType":"SH","priorValue":461375,"priorShares":14170},{"issuer":"EXXON MOBIL CORP","titleOfClass":"COM","cusip":"30231G102","value":484482,"shares":3544,"shareType":"SH","priorValue":324772,"priorShares":1914},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTRNL DEV JULY","cusip":"45782C722","value":482574,"shares":13416,"shareType":"SH","priorValue":302772,"priorShares":8971},{"issuer":"ISHARES TR","titleOfClass":"HDG MSCI EAFE","cusip":"46434V803","value":416976,"shares":8886,"shareType":"SH","priorValue":379438,"priorShares":8929},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTERNATIONAL DV","cusip":"45782C631","value":413400,"shares":11176,"shareType":"SH","priorValue":404407,"priorShares":11538},{"issuer":"QUALCOMM INC","titleOfClass":"COM","cusip":"747525103","value":398829,"shares":2158,"shareType":"SH","priorValue":284890,"priorShares":2212},{"issuer":"MCDONALDS CORP","titleOfClass":"COM","cusip":"580135101","value":384474,"shares":1422,"shareType":"SH","priorValue":406203,"priorShares":1307},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MKTS VA","cusip":"25434V740","value":377604,"shares":8850,"shareType":"SH","priorValue":318692,"priorShares":8907},{"issuer":"AMERICAN TOWER CORP","titleOfClass":"COM","cusip":"03027X100","value":377229,"shares":2306,"shareType":"SH","priorValue":334660,"priorShares":1939},{"issuer":"UNITEDHEALTH GROUP INC","titleOfClass":"COM","cusip":"91324P102","value":367971,"shares":885,"shareType":"SH","priorValue":252533,"priorShares":933},{"issuer":"PEPSICO INC","titleOfClass":"COM","cusip":"713448108","value":357696,"shares":2642,"shareType":"SH","priorValue":376578,"priorShares":2425},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INNOVATOR INTER","cusip":"45783Y533","value":355688,"shares":10280,"shareType":"SH","priorValue":353902,"priorShares":10793},{"issuer":"ISHARES TR","titleOfClass":"U.S. REAL ES ETF","cusip":"464287739","value":354501,"shares":3467,"shareType":"SH","priorValue":324624,"priorShares":3433},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTL DEV PWR BUF","cusip":"45783Y459","value":344374,"shares":9377,"shareType":"SH","priorValue":335193,"priorShares":9662},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI INTL","cusip":"46435G326","value":339573,"shares":3815,"shareType":"SH"},{"issuer":"ABBVIE INC","titleOfClass":"COM","cusip":"00287Y109","value":331603,"shares":1318,"shareType":"SH","priorValue":285975,"priorShares":1315},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":322600,"shares":767,"shareType":"SH","priorValue":285132,"priorShares":767},{"issuer":"INTERNATIONAL BUSINESS MACHS","titleOfClass":"COM","cusip":"459200101","value":315406,"shares":1122,"shareType":"SH","priorValue":271849,"priorShares":1122},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST SHOR CORP ETF","cusip":"78464A474","value":307002,"shares":10230,"shareType":"SH","priorValue":294536,"priorShares":9795},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SML CP GRW ETF","cusip":"922908595","value":305725,"shares":836,"shareType":"SH"},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":298708,"shares":400,"shareType":"SH","putCall":"Put","priorValue":260138,"priorShares":400},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US REIT ETF","cusip":"808524847","value":290080,"shares":12250,"shareType":"SH","priorValue":267787,"priorShares":12461},{"issuer":"ELECTRONIC ARTS INC","titleOfClass":"COM","cusip":"285512109","value":287263,"shares":1401,"shareType":"SH","priorValue":285624,"priorShares":1401},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP600 SML","cusip":"78468R853","value":280334,"shares":4861,"shareType":"SH","priorValue":241020,"priorShares":4988},{"issuer":"PGIM ROCK ETF TR","titleOfClass":"S&P 500 BUFFER","cusip":"69420N767","value":276931,"shares":8938,"shareType":"SH","priorValue":258368,"priorShares":8938},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTL DE PW JUNE","cusip":"45783Y285","value":274548,"shares":8806,"shareType":"SH","priorValue":223871,"priorShares":7609},{"issuer":"BURLINGTON STORES INC","titleOfClass":"COM","cusip":"122017106","value":274349,"shares":866,"shareType":"SH","priorValue":281779,"priorShares":866},{"issuer":"VANECK ETF TRUST","titleOfClass":"FALLEN ANGEL HG","cusip":"92189F437","value":272780,"shares":9329,"shareType":"SH","priorValue":14154537,"priorShares":492846},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTRNL DEV JAN","cusip":"45782C524","value":272119,"shares":7146,"shareType":"SH","priorValue":263211,"priorShares":7255},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY PWR BUF","cusip":"45782C540","value":258498,"shares":5633,"shareType":"SH","priorValue":242123,"priorShares":5697},{"issuer":"PROCTER & GAMBLE CO","titleOfClass":"COM","cusip":"742718109","value":257971,"shares":1759,"shareType":"SH","priorValue":254045,"priorShares":1759},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"INTL DEVELOPED P","cusip":"45783Y350","value":253495,"shares":8105,"shareType":"SH","priorValue":246087,"priorShares":8255},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"SM CP VAL ETF","cusip":"922908611","value":253439,"shares":1043,"shareType":"SH"},{"issuer":"SHOPIFY INC","titleOfClass":"CL A SUB VTG SHS","cusip":"82509L107","value":252795,"shares":2214,"shareType":"SH","priorValue":262743,"priorShares":2215},{"issuer":"BROADCOM INC","titleOfClass":"COM","cusip":"11135F101","value":251736,"shares":666,"shareType":"SH","priorValue":215826,"priorShares":697},{"issuer":"PGIM ROCK ETF TR","titleOfClass":"S&P 500 BUFFER","cusip":"69420N700","value":246626,"shares":7577,"shareType":"SH"},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":227734,"shares":897,"shareType":"SH"},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":221732,"shares":8005,"shareType":"SH"},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"NASDAQ EQT PREM","cusip":"46654Q203","value":212836,"shares":3463,"shareType":"SH"},{"issuer":"GLOBAL X FDS","titleOfClass":"NASDAQ 100 COVER","cusip":"37954Y483","value":208480,"shares":11312,"shareType":"SH"},{"issuer":"INNOVATOR ETFS TRUST","titleOfClass":"US EQTY BUFR JAN","cusip":"45782C409","value":206634,"shares":3510,"shareType":"SH"},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":204853,"shares":845,"shareType":"SH"},{"issuer":"GLOBAL X FDS","titleOfClass":"S&P 500 COVERED","cusip":"37954Y475","value":203379,"shares":4986,"shareType":"SH"},{"issuer":"ELI LILLY & CO","titleOfClass":"COM","cusip":"532457108","value":203025,"shares":169,"shareType":"SH"}]},"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."}