{"url":"https://nivawealth.com/firms/financial-planning-first-319273","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/319273","regulatoryAum":113861377,"crd":"319273","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1328490","suffix":null,"lastName":"IMUS","firstName":"GARY","middleName":"KEITH"},{"crd":"8267072","suffix":null,"lastName":"McDowell","firstName":"Sean","middleName":"Michael"},{"crd":"5928888","suffix":null,"lastName":"PANTOJA","firstName":"JUAN","middleName":"C"},{"crd":"1516530","suffix":null,"lastName":"SULLIVAN","firstName":"MATTHEW","middleName":"PAUL"}],"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":"2022-06-02","regulatoryAum":0,"clients":0,"employees":2,"offices":1},{"filedOn":"2026-03-09","regulatoryAum":113861377,"clients":296,"employees":3,"offices":1}],"acquisitions":[{"date":"2022-05-31","datePrecision":"day","name":"Imus Wilkinson Investment Management","crd":"157457","source":"adv_w","dealType":"acquisition","sellerAum":193618495,"sellerAumDate":"2022-06-30","sourceUrl":"https://adviserinfo.sec.gov/firm/summary/157457"}],"secFileNumber":"801-134756","legalName":"Financial Planning First, LLC","displayName":"Financial Planning First","slug":"financial-planning-first-319273","website":"https://financialplanningfirst.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Arizona limited liability company","fiscalYearEnd":"December","headquarters":{"street":"3567 E Sunrise DR Ste B237","city":"Tuscon","state":"AZ","stateName":"Arizona","country":"United States","postalCode":"85718"},"tradeNames":[],"registration":{"secApproved":"19 November 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":367500.59793814435,"staff":{"employees":3,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":113861377,"discretionary":113432419,"discretionaryAccounts":809,"nonDiscretionary":428958,"nonDiscretionaryAccounts":2,"wrapProgram":226864838,"nonUsClientsPct":1,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":260,"regulatoryAum":49423177},{"label":"High-net-worth individuals","clients":31,"regulatoryAum":57519497},{"label":"Pension and profit-sharing plans","clients":5,"regulatoryAum":6357392},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":561311}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016384","versionId":1016384,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-09","documentName":"FORM ADV 2A - FIRM BROCHURE - FPF","fee_rate_low":0.75,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning & Consulting","summary":"Billed hourly, with a maximum of $300 an hour; fees are not negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016384","versionId":1016384,"submittedOn":"2026-03-09","documentName":"FORM ADV 2A - FIRM BROCHURE - FPF"},{"role":"other","program":"Retirement Plan Consulting","summary":"Billed hourly up to $300 an hour, as a flat fee of $1,500 to $10,000, or as a percentage of plan assets not exceeding 1.25%.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016384","versionId":1016384,"submittedOn":"2026-03-09","documentName":"FORM ADV 2A - FIRM BROCHURE - FPF"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:12:38.921724+00:00","documents":[{"name":"FORM ADV 2A - FIRM BROCHURE - FPF","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016384","versionId":1016384,"submittedOn":"2026-03-09"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":107503985}],"custodyNote":"Financial Planning First has custody of $9.91M in client assets for 71 clients.","otherCustodians":[],"leadership":[{"name":"Matthew Sullivan","title":"President & Chief Compliance Officer","crd":"1516530"}],"ownership":[{"label":"Matthew Sullivan","detail":"President & chief compliance officer in the 75% or more ownership band and a control person, since April 2022."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":1,"addresses":[{"street":"3567 E Sunrise DR Ste B237","city":"Tuscon","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"520-314-1301","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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":42},{"label":"Securities issued by registered investment companies or business development companies","percent":43},{"label":"Cash and cash equivalents","percent":15}],"privateFunds":0},"sources":{"adv1FilingDate":"9 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/319273/PDF/319273.pdf","brochureDate":"9 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016384","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 Planning First have?","answer":"Financial Planning First has 296 clients and manages $114 million for them, as of March 2026. They include 260 individual clients, 31 high-net-worth individuals, and 5 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Planning First offer?","answer":"Financial Planning First provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","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 Planning First charge?","answer":"Financial Planning First charges 0.75%–1.50% a year for its Comprehensive Portfolio Management. The fee is billed in advance, is negotiable and requires an account of at least $500,000.","source":"FORM ADV 2A - FIRM BROCHURE - FPF, filed 9 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Financial Planning First use?","answer":"Financial Planning First’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $108M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Planning First have?","answer":"Financial Planning First has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 1 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 Planning First invest in?","answer":"At the end of its last fiscal year, Financial Planning First’s separately managed accounts held 43% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities and 15% cash and equivalents.","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":"Does Financial Planning First have a minimum investment?","answer":"Yes, Financial Planning First’s minimum account size for its Comprehensive Portfolio Management is $500K.","source":"FORM ADV 2A - FIRM BROCHURE - FPF, filed 9 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Financial Planning First?","answer":"Financial Planning First’s direct owner is Matthew Sullivan (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Planning First get paid?","answer":"Financial Planning First 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 Financial Planning First?","answer":"Financial Planning First’s main office is at 3567 E Sunrise DR Ste B237, Tuscon, AZ 85718. Its phone number is 520-314-1301. Its website is financialplanningfirst.com.","source":"Form ADV Part 1A, Item 1.F, filed 9 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."}