{"url":"https://nivawealth.com/firms/financial-independence-150515","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/150515","regulatoryAum":288104032,"crd":"150515","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7864276","suffix":null,"lastName":"Campbell","firstName":"MacKenzie","middleName":"Douglas"},{"crd":"4566472","suffix":null,"lastName":"CAMPBELL","firstName":"RICK","middleName":"WALTER"},{"crd":"1419202","suffix":null,"lastName":"LAVALLEE","firstName":"MARK","middleName":"ALLEN"},{"crd":"7007344","suffix":null,"lastName":"Pierro","firstName":"Kevin","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":"2021-02-25","regulatoryAum":176343523,"clients":215,"employees":3,"offices":1},{"filedOn":"2022-04-27","regulatoryAum":209888433,"clients":235,"employees":7,"offices":1},{"filedOn":"2023-03-10","regulatoryAum":183966639,"clients":246,"employees":6,"offices":1},{"filedOn":"2024-02-14","regulatoryAum":210220404,"clients":257,"employees":6,"offices":1},{"filedOn":"2025-03-04","regulatoryAum":242343248,"clients":262,"employees":6,"offices":1},{"filedOn":"2026-07-30","regulatoryAum":288104032,"clients":279,"employees":7,"offices":3}],"secFileNumber":"801-120254","legalName":"Financial Independence, LLC","displayName":"Financial Independence","slug":"financial-independence-150515","website":"https://fi-ri.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/financial-independence-llc/","founded":"2009","organization":"Rhode Island limited liability company","fiscalYearEnd":"December","headquarters":{"street":"931 Jefferson BLVD., Suite 2005","city":"Warwick","state":"RI","stateName":"Rhode Island","country":"United States","postalCode":"02886-2213"},"tradeNames":[],"registration":{"secApproved":"17 February 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Fee","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006780","versionId":1006780,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-02-05","documentName":"FINANCIAL INDEPENDENCE, LLC ADV BROCHURE","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is a fixed annual fee of $1,200 to $6,000 in the first year and $600 to $3,000 a year after, or $250 an hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006780","versionId":1006780,"submittedOn":"2026-02-05","documentName":"FINANCIAL INDEPENDENCE, LLC ADV BROCHURE"},{"role":"other","program":"Pension Consulting","summary":"Pension consulting is an asset-based fee of 0.25% to 0.75%, negotiable by scope of services and plan size.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006780","versionId":1006780,"submittedOn":"2026-02-05","documentName":"FINANCIAL INDEPENDENCE, LLC ADV BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:57:46.304411+00:00","documents":[{"name":"FINANCIAL INDEPENDENCE, LLC ADV BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006780","versionId":1006780,"submittedOn":"2026-02-05"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":288104032}],"custodyNote":"Financial Independence does not have custody of client assets.","leadership":[{"name":"Rick Campbell","title":"President/Chief Compliance Officer","crd":"4566472"}],"ownership":[{"label":"Rick Campbell","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since April 2009."}],"filedOffices":{"otherThanPrincipal":2,"privateResidences":2},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Rhode Island","offices":1,"addresses":[{"street":"931 Jefferson BLVD., Suite 2005","city":"Warwick","headquarters":true}]}],"brochureServices":["insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"401-681-4825","stateRegisteredReps":4,"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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"U.S. state and local bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":92},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"30 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/150515/PDF/150515.pdf","brochureDate":"5 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1006780","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 Independence have?","answer":"Financial Independence has 279 clients and manages $288 million for them, as of July 2026. They include 191 individual clients, 87 high-net-worth individuals and 1 pension or profit-sharing plan.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Independence offer?","answer":"Financial Independence provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and insurance.","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 Independence charge?","answer":"Financial Independence charges 0.50%–1.00% for its AssetMark Platform Financial Advisor Fee. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable.","source":"FINANCIAL INDEPENDENCE, LLC ADV BROCHURE, filed 5 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Financial Independence use?","answer":"Financial Independence’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $288M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Independence have?","answer":"Financial Independence has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 employees are 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 Independence invest in?","answer":"At the end of its last fiscal year, Financial Independence’s separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities, 3% cash and equivalents and 2% state and local 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 Independence?","answer":"Financial Independence’s direct owner is Rick Campbell (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Independence get paid?","answer":"Financial Independence 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 Independence registered with the SEC?","answer":"Yes, Financial Independence has been registered with the SEC as an investment adviser since 17 February 2021. Its CRD number is 150515 and its SEC file number is 801-120254.","source":"Form ADV Part 1A, Item 1, filed 30 July 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Financial Independence?","answer":"Financial Independence’s main office is at 931 Jefferson BLVD., Suite 2005, Warwick, RI 02886-2213. Its phone number is 401-681-4825. Its website is fi-ri.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 July 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."}