{"url":"https://nivawealth.com/firms/f5-financial-planning-170674","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/170674","regulatoryAum":168654961,"crd":"170674","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6184795","suffix":null,"lastName":"Duncan","firstName":"Joshua","middleName":"Scott"},{"crd":"6353504","suffix":null,"lastName":"PRIGITANO","firstName":"NICHOLAS","middleName":"CONNOR"},{"crd":"6011385","suffix":null,"lastName":"STOWERS","firstName":"CURTIS","middleName":"LOUIS"},{"crd":"5284159","suffix":null,"lastName":"WEINREICH","firstName":"MANUEL","middleName":null}],"total":4,"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":"2022-03-18","regulatoryAum":105939459,"clients":96,"employees":3,"offices":6},{"filedOn":"2023-04-17","regulatoryAum":110418580,"clients":103,"employees":3,"offices":5},{"filedOn":"2024-07-22","regulatoryAum":127641559,"clients":118,"employees":3,"offices":5},{"filedOn":"2025-06-25","regulatoryAum":135394153,"clients":115,"employees":3,"offices":5},{"filedOn":"2026-03-19","regulatoryAum":168654961,"clients":128,"employees":3,"offices":5}],"secFileNumber":"801-122310","legalName":"F5 Financial Planning, L.L.C.","displayName":"F5 Financial Planning","slug":"f5-financial-planning-170674","website":"https://f5fp.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/f5-financial-planning","founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"17 September 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1365853.6585365853,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":168654961,"discretionary":165188357,"discretionaryAccounts":586,"nonDiscretionary":3466604,"nonDiscretionaryAccounts":6,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":57,"regulatoryAum":27243755},{"label":"High-net-worth individuals","clients":66,"regulatoryAum":140756245},{"label":"Corporations and other businesses","clients":5,"regulatoryAum":654961}],"feePrograms":[{"role":"other","program":"Comprehensive planning without investment management","summary":"Initial fee of $3,000, then an annual fee of $12,000 to $20,000 by investable assets.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021897","versionId":1021897,"submittedOn":"2026-03-19","documentName":"F5 FINANCIAL - ADV PART 2A"},{"role":"other","program":"One-time financial plan","summary":"One-time fee of $5,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021897","versionId":1021897,"submittedOn":"2026-03-19","documentName":"F5 FINANCIAL - ADV PART 2A"},{"role":"other","program":"Retirement plan consulting","summary":"Fees set by complexity and scope, anticipated at a maximum of 1.00% of plan assets, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021897","versionId":1021897,"submittedOn":"2026-03-19","documentName":"F5 FINANCIAL - ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:55:30.305968+00:00","documents":[{"name":"F5 FINANCIAL - ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021897","versionId":1021897,"submittedOn":"2026-03-19"}]},"custodians":[{"name":"Byallaccounts","shortName":"Byallaccounts","location":"Chicago, IL","smaAssets":38149686},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":124397678}],"custodyNote":"F5 Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Curtis Stowers","title":"Principal & Chief Compliance Officer","crd":"6011385"},{"name":"Joshua Duncan","title":"Partner","crd":"6184795"}],"ownership":[{"label":"Curtis Stowers","detail":"Principal & chief compliance officer in the 50% to 75% ownership band and a control person, since November 2011."},{"label":"Joshua Duncan","detail":"Partner in the 25% to 50% ownership band, since January 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":4,"privateResidences":0},"listedOfficeAddresses":5,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"871 Venetia Bay BLVD","city":"Venice"}]},{"state":"Georgia","offices":1,"addresses":[{"street":"70 Macon Street","city":"McDonough"}]},{"state":"Illinois","offices":1,"addresses":[{"street":"29 South Webster St","city":"Naperville"}]},{"state":"Washington","offices":1,"addresses":[{"street":"11215 E. Aloha CT.","city":"Spokane Valley"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"309-370-5577","stateRegisteredReps":3,"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","Pension consulting services","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":14},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":81},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":2},{"label":"Other","percent":3,"detail":"Fixed Income & Crypto"}],"privateFunds":0},"sources":{"adv1FilingDate":"19 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/170674/PDF/170674.pdf","brochureDate":"19 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021897","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 F5 Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does F5 Financial Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does F5 Financial Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does F5 Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does F5 Financial Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns F5 Financial Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does F5 Financial Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact F5 Financial Planning?","answer":"Its phone number is 309-370-5577. Its website is f5fp.com.","source":"Form ADV Part 1A, Item 1.F, filed 19 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."}