{"url":"https://nivawealth.com/firms/financial-alternatives-108245","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/108245","regulatoryAum":614784199,"crd":"108245","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1397759","suffix":null,"lastName":"FREEMAN","firstName":"JAMES","middleName":"ALAN"},{"crd":"5816151","suffix":null,"lastName":"HOFFARTH","firstName":"ANDREW","middleName":"RAYMOND"},{"crd":"4381151","suffix":null,"lastName":"JACCARD","firstName":"CHRISTOPHER","middleName":"EDWARD"},{"crd":"5902854","suffix":null,"lastName":"LI","firstName":"PEI-SHAN","middleName":"ELLEN"},{"crd":"8188090","suffix":null,"lastName":"MacKenzie","firstName":"Connor","middleName":"Andrew"},{"crd":"6690782","suffix":null,"lastName":"ROBERTSON","firstName":"DAMON","middleName":"ANTHONY"}],"total":6,"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":"2021-03-01","regulatoryAum":245166129,"clients":137,"employees":7,"offices":2},{"filedOn":"2022-03-23","regulatoryAum":458547924,"clients":256,"employees":14,"offices":2},{"filedOn":"2023-03-29","regulatoryAum":458983612,"clients":255,"employees":13,"offices":2},{"filedOn":"2024-03-28","regulatoryAum":507074427,"clients":258,"employees":12,"offices":2},{"filedOn":"2025-03-24","regulatoryAum":547779015,"clients":260,"employees":12,"offices":2},{"filedOn":"2026-03-13","regulatoryAum":614784199,"clients":271,"employees":13,"offices":2}],"acquisitions":[{"date":"2022-03-28","datePrecision":"day","name":"Hillegas Advisory Services","crd":"125275","source":"adv_w","dealType":"acquisition","sellerAum":129571570,"sellerAumDate":"2021-03-25","sourceUrl":"https://adviserinfo.sec.gov/firm/summary/125275"}],"secFileNumber":"801-57864","legalName":"Financial Alternatives, Inc.","displayName":"Financial Alternatives","slug":"financial-alternatives-108245","website":"https://financialalternatives.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"http://www.linkedin.com/company/financial-alternatives-inc-","xUrl":"http://twitter.com/falternatives","founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"7825 Fay Avenue, Suite 245","city":"La Jolla","state":"CA","stateName":"California","country":"United States","postalCode":"92037"},"tradeNames":[],"registration":{"secApproved":"25 August 2000","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2283297.434944238,"staff":{"employees":13,"advisory":7,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":614784199,"discretionary":607444178,"discretionaryAccounts":1230,"nonDiscretionary":7340021,"nonDiscretionaryAccounts":28,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":121,"regulatoryAum":54505294},{"label":"High-net-worth individuals","clients":148,"regulatoryAum":559701716},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":577189}],"feePrograms":[{"role":"main","program":"Investment Advisory Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018929","versionId":1018929,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-03-13","documentName":"ADV PART 2A","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Wealth Advisory and Consulting (Stand-Alone)","summary":"Negotiable, generally a $300 hourly rate or a flat fee; 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They include 148 high-net-worth individuals, 121 individual clients and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Alternatives offer?","answer":"Financial Alternatives provides financial planning, portfolio management for individuals and small businesses, selecting other managers, estate 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 Financial Alternatives charge?","answer":"Financial Alternatives charges 0.50%–1.00% for its Investment Advisory Services. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable.","source":"ADV PART 2A, filed 13 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Financial Alternatives use?","answer":"Financial Alternatives’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $354M and National Financial Services LLC (Boston, MA), with $219M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Alternatives have?","answer":"Financial Alternatives has 6 investment adviser representatives registered with state securities authorities, out of 13 employees, and 7 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 Financial Alternatives invest in?","answer":"At the end of its last fiscal year, Financial Alternatives’ separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 20% pooled vehicles (private funds and similar), 6% cash and equivalents, 3% exchange-traded equities and 1% U.S. government and agency 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 Financial Alternatives?","answer":"Financial Alternatives’ direct owners are James Freeman (50% to 75%), Christopher Jaccard (25% to 50%), Pei-Shan Li (5% to 10%) and Andrew Hoffarth (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Alternatives get paid?","answer":"Financial Alternatives 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":"Is Financial Alternatives registered with the SEC?","answer":"Yes, Financial Alternatives has been registered with the SEC as an investment adviser since 25 August 2000. Its CRD number is 108245 and its SEC file number is 801-57864.","source":"Form ADV Part 1A, Item 1, filed 13 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Financial Alternatives?","answer":"Financial Alternatives’ main office is at 7825 Fay Avenue, Suite 245, La Jolla, CA 92037. Its phone number is 858-459-8289. 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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."}