{"url":"https://nivawealth.com/firms/financial-directions-108475","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/108475","regulatoryAum":737846215,"crd":"108475","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"3129156","suffix":null,"lastName":"CHERBA","firstName":"MARY","middleName":"LEE"},{"crd":"4589318","suffix":null,"lastName":"HAMBACHER","firstName":"CHRISTOPHER","middleName":"MICHAEL"},{"crd":"1398332","suffix":null,"lastName":"SPACKEEN","firstName":"STANTON","middleName":"WILLIAM"}],"total":3,"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":"2021-03-23","regulatoryAum":469635775,"clients":1777,"employees":7,"offices":1},{"filedOn":"2022-03-29","regulatoryAum":535488991,"clients":2721,"employees":6,"offices":1},{"filedOn":"2023-03-21","regulatoryAum":556560199,"clients":3665,"employees":4,"offices":1},{"filedOn":"2024-03-25","regulatoryAum":560568238,"clients":3753,"employees":3,"offices":1},{"filedOn":"2025-03-05","regulatoryAum":672472149,"clients":3344,"employees":3,"offices":1},{"filedOn":"2026-03-24","regulatoryAum":737846215,"clients":2488,"employees":3,"offices":1}],"secFileNumber":"801-56919","legalName":"Financial Directions LLC","displayName":"Financial Directions","slug":"financial-directions-108475","website":"https://financialdirectionsllc.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/108475/69186ccd62b33430-r1.webp","tone":"light","width":545,"height":200,"sourceUrl":"https://financialdirectionsllc.com/","sourceLabel":"Financial Directions LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/financial-directions-llc","founded":null,"organization":"Arizona limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1228 East Prince Road","city":"Tucson","state":"AZ","stateName":"Arizona","country":"United States","postalCode":"85719"},"tradeNames":[],"registration":{"secApproved":"18 October 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12/31/2025","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Retainer-based supervisory services","summary":"Retainer-billed supervisory services: $100-$1,500 a year on assets to $150,000, $1,500-$10,000 to $1 million, $10,000-$15,000 to $3 million, and $15,000 or negotiable above that.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024883","versionId":1024883,"submittedOn":"2026-03-24","documentName":"ADV PART 2 DATED 12/31/2025"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:03:39.657545+00:00","documents":[{"name":"ADV PART 2 DATED 12/31/2025","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024883","versionId":1024883,"submittedOn":"2026-03-24"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Albuquerque, NM","smaAssets":534891388},{"name":"Captial Bank and Trust","shortName":"Captial Bank and Trust","location":"Indianapolis, IN","smaAssets":25676850}],"custodyNote":"Financial Directions does not have custody of client assets.","leadership":[{"name":"Mary Cherba","title":"Chief Compliance Officer","crd":"3129156"},{"name":"Stanton Spackeen","title":"Sole Member","crd":"1398332"}],"ownership":[{"label":"Stanton Spackeen","detail":"Sole member in the 75% or more ownership band and a control person, since December 2024."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":1,"addresses":[{"street":"1228 East Prince Road","city":"Tucson","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"520-408-7777","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":97},{"label":"Investment grade corporate bonds","percent":1},{"label":"Cash and cash equivalents","percent":1},{"label":"Other","percent":1,"detail":"Charitable Gift Funds Managed Without Avisory Fee; Legacy Non-Traded Reits and Publicly Traded Partnerships."}],"privateFunds":0},"sources":{"adv1FilingDate":"24 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/108475/PDF/108475.pdf","brochureDate":"24 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024883","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 Financial Directions have?","answer":"Financial Directions has 2,488 clients and manages $738 million for them, as of March 2026. They include 2,332 individual clients and 156 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Directions offer?","answer":"Financial Directions provides portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Financial Directions charge?","answer":"Financial Directions charges 0.50%–1.00% a year for its Investment Supervisory Services. The fee is billed in advance and is negotiable.","source":"ADV PART 2 DATED 12/31/2025, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Financial Directions use?","answer":"Financial Directions’ separately managed account assets are held at Fidelity Investments (Albuquerque, NM), with $535M and Captial Bank and Trust (Indianapolis, IN), with $25.7M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Directions have?","answer":"Financial Directions has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Directions invest in?","answer":"At the end of its last fiscal year, Financial Directions’ separately managed accounts held 97% exchange-traded equities, 1% investment grade corporate bonds, 1% cash and equivalents and 1% other. The 1% other category is described as: Charitable Gift Funds Managed Without Avisory Fee; Legacy Non-Traded Reits and Publicly Traded Partnerships.","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 Directions?","answer":"Financial Directions’ direct owner is Stanton Spackeen (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Directions get paid?","answer":"Financial Directions 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":"Is Financial Directions registered with the SEC?","answer":"Yes, Financial Directions has been registered with the SEC as an investment adviser since 18 October 1999. Its CRD number is 108475 and its SEC file number is 801-56919.","source":"Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Financial Directions?","answer":"Financial Directions’ main office is at 1228 East Prince Road, Tucson, AZ 85719. Its phone number is 520-408-7777. Its website is financialdirectionsllc.com.","source":"Form ADV Part 1A, Item 1.F, filed 24 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."}