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The fee is billed in advance and is negotiable.","source":"FORM 2A, 2B, & CRS - COMBINED - MARCH 3, 2026, filed 3 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Envision Financial use?","answer":"Envision Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $353M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Envision Financial have?","answer":"Envision Financial has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 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 Envision Financial invest in?","answer":"At the end of its last fiscal year, Envision Financial’s separately managed accounts held 56% exchange-traded equities, 27% registered funds (mutual funds, ETFs, BDCs), 8% other, 4% cash and equivalents, 3% U.S. government and agency bonds and 2% investment grade corporate bonds. The 8% other category is described as: 4% Certificates of Deposit,\n2% Structured Notes,\n1% Mortgage-Backed Bonds,\n1% Municipal 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 Envision Financial?","answer":"Envision Financial’s direct owners are Kevin Ellis (50% to 75%) and Joshua Palleon (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Envision Financial get paid?","answer":"Envision Financial is paid through a percentage of assets under management. 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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."}