F5 Financial Planning provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
F5 Financial Planning reports 128 clients. They include 66 high-net-worth individuals, 57 individual clients, and 5 corporations and other businesses. Of its assets, 97.9% ($165M across 586 accounts) are managed with discretion; $3.47M across 6 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 45% | 16% |
| High-net-worth individuals | 52% | 83% |
| Corporations and other businesses | 4% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 57 | $27.2M | 16.2% | $478K |
| High-net-worth individuals | 66 | $141M | 83.5% | $2.13M |
| Corporations and other businesses | 5 | $655K | 0.4% | $131K |
| Total | 128 | $169M | 100% | $1.32M |
- Clients
- 57
- Regulatory AUM
- $27.2M
- AUM share
- 16.2%
- Avg. per client
- $478K
- Clients
- 66
- Regulatory AUM
- $141M
- AUM share
- 83.5%
- Avg. per client
- $2.13M
- Clients
- 5
- Regulatory AUM
- $655K
- AUM share
- 0.4%
- Avg. per client
- $131K
Total
- Clients
- 128
- Regulatory AUM
- $169M
- AUM share
- 100%
- Avg. per client
- $1.32M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
F5 Financial Planning is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Comprehensive planning without investment management
- Initial fee of $3,000, then an annual fee of $12,000 to $20,000 by investable assets.
- One-time financial plan
- One-time fee of $5,000.
- Retirement plan consulting
- Fees set by complexity and scope, anticipated at a maximum of 1.00% of plan assets, negotiable.
Curtis Stowers owns 50% to 75% of F5 Financial Planning. The leadership team of F5 Financial Planning includes Chief Compliance Officer Curtis Stowers. It has 3 employees.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 1 soliciting firm
- Owns 50% to 75% of F5 Financial Planning, L.L.C.
Curtis Stowers
Control person · since November 2011
- Owns 25% to 50% of F5 Financial Planning, L.L.C.
Joshua Duncan
since January 2020
F5 Financial Planning’s regulatory assets grew 1.6× from $106M (March 2022) to $169M (March 2026); clients rose from 96 to 128 and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $169M | 128 | 3 | 5 |
| Jun 2025June 2025 | $135M | 115 | 3 | 5 |
| Jul 2024July 2024 | $128M | 118 | 3 | 5 |
| Apr 2023April 2023 | $110M | 103 | 3 | 5 |
| Mar 2022March 2022 | $106M | 96 | 3 | 6 |
Besides its headquarters, F5 Financial Planning has 4 offices, with 5 listed addresses across 4 states.
Florida · 1 listed address
- 871 Venetia Bay BLVD, Venice
Georgia · 1 listed address
- 70 Macon Street, McDonough
Illinois · 1 listed address
- 29 South Webster St, Naperville
Washington · 1 listed address
- 11215 E. Aloha CT., Spokane Valley
Choose a state to see its listed addresses.
Contact and registration details
- Legal name
- F5 Financial Planning, L.L.C.
- Headquarters
- Not reported
- Website
- f5fp.com
- Phone
- 309-370-5577
- @f5-financial-planning
- SEC file
- 801-122310
- Structure
- Illinois LLC
- Fiscal year end
- December
F5 Financial Planning’s named custodians for separately managed accounts are Altruist ($124M, 77%) and Byallaccounts ($38.1M, 23%). F5 Financial Planning does not have custody of client assets.
- ByallaccountsByallaccounts · Chicago, IL · $38.1M23%
- AltruistAltruist Financial LLC · Culver City, CA · $124M77%
At year end, F5 Financial Planning’s separately managed accounts were mostly in funds (82%) and stocks (15%).
What the accounts hold
- Stocks15%
- Exchange-traded equities14%
- Non-exchange-traded equities1%
- Funds82%
- Registered funds81%
- Pooled vehicles1%
- Bonds1%
- Cash2%
- Other3%
- Fixed income & crypto3%
How many clients does F5 Financial Planning have?
F5 Financial Planning has 128 clients and manages $169 million for them, as of March 2026. They include 66 high-net-worth individuals, 57 individual clients, and 5 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 March 2026
What services does F5 Financial Planning offer?
F5 Financial Planning provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does F5 Financial Planning use?
F5 Financial Planning’s separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $124M and Byallaccounts (Chicago, IL), with $38.1M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 March 2026
How many financial advisors does F5 Financial Planning have?
F5 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
What does F5 Financial Planning invest in?
At the end of its last fiscal year, F5 Financial Planning’s separately managed accounts held 81% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 3% other, 2% cash and equivalents, 1% non-exchange-traded equities, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar). The 3% other category is described as: Fixed Income & Crypto.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns F5 Financial Planning?
F5 Financial Planning’s direct owners are Curtis Stowers (50% to 75%) and Joshua Duncan (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 19 March 2026
How does F5 Financial Planning get paid?
F5 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
How do I contact F5 Financial Planning?
Its phone number is 309-370-5577. Its website is f5fp.com.
