{"url":"https://nivawealth.com/firms/financial-plan-116073","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/116073","regulatoryAum":1604659908,"crd":"116073","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4470567","suffix":null,"lastName":"DICK","firstName":"DAVID","middleName":"ALDEN"},{"crd":"6723555","suffix":null,"lastName":"Gross","firstName":"Justin","middleName":"Lloyd"},{"crd":"6583198","suffix":null,"lastName":"LOK","firstName":"LYDIA","middleName":"CHUNG"},{"crd":"7247319","suffix":null,"lastName":"MARTIN","firstName":"KELSEY","middleName":"LYNN 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They include 596 individual clients, 309 high-net-worth individuals and 19 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Plan offer?","answer":"Financial Plan provides financial planning, portfolio management for individuals and small businesses, estate planning, 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":"Which custodians does Financial Plan use?","answer":"Financial Plan’s separately managed account assets are held at Pershing Advisor Solutions LLC (Jersey City, NJ), with $1.47B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Plan have?","answer":"Financial Plan has 11 investment adviser representatives registered with state securities authorities, out of 12 employees, and 11 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 Plan invest in?","answer":"At the end of its last fiscal year, Financial Plan’s separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 2% cash and equivalents, 1% non-exchange-traded equities, 1% U.S. government and agency bonds and 1% investment grade corporate 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 Plan?","answer":"Financial Plan’s direct owners are James Twining, David Dick, William Wolf, Nathan Twining and Gabriel Twining, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Plan get paid?","answer":"Financial Plan is paid through a percentage of assets under management and hourly charges. 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