{"url":"https://nivawealth.com/firms/financial-plans-and-strategies-123793","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/123793","regulatoryAum":610600630,"crd":"123793","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7663984","suffix":null,"lastName":"Bigler","firstName":"Maxwell","middleName":"Alexander"},{"crd":"3125966","suffix":null,"lastName":"DESOTEL","firstName":"LARA","middleName":"KARMEL"},{"crd":"4822892","suffix":null,"lastName":"MEINERS","firstName":"MAGGIE","middleName":"LYNN"},{"crd":"7969831","suffix":null,"lastName":"NAILOR","firstName":"GRANT","middleName":"T"},{"crd":"8263046","suffix":null,"lastName":"RAYMOND","firstName":"SETH","middleName":"TIMOTHY"},{"crd":"6641786","suffix":null,"lastName":"SCHMELTZ","firstName":"BAUER","middleName":"W"}],"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":"2021-03-23","regulatoryAum":500233986,"clients":2156,"employees":6,"offices":2},{"filedOn":"2022-03-15","regulatoryAum":620257856,"clients":1686,"employees":6,"offices":2},{"filedOn":"2023-05-24","regulatoryAum":431298514,"clients":1126,"employees":6,"offices":2},{"filedOn":"2024-07-18","regulatoryAum":549874500,"clients":1335,"employees":5,"offices":2},{"filedOn":"2025-03-21","regulatoryAum":460473907,"clients":827,"employees":5,"offices":2},{"filedOn":"2026-07-29","regulatoryAum":610600630,"clients":1081,"employees":12,"offices":2}],"secFileNumber":"801-107206","legalName":"Financial Plans & Strategies, Inc.","displayName":"Financial Plans & Strategies","slug":"financial-plans-and-strategies-123793","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/finplans","founded":null,"organization":"Indiana corporation","fiscalYearEnd":"December","headquarters":{"street":"375 N. 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Madison Avenue","city":"Greenwood","headquarters":true},{"street":"9975 N College Ave","city":"Carmel"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"317-882-7675","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Commissions"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1000","assetMix":[{"label":"Exchange-traded equity securities","percent":3},{"label":"Securities issued by registered investment companies or business development companies","percent":87},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"29 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/123793/PDF/123793.pdf","brochureDate":"6 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015422","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 Plans & Strategies have?","answer":"Financial Plans & Strategies has 1,081 clients and manages $611 million for them, as of July 2026. They include 896 individual clients and 185 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 29 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Financial Plans & Strategies offer?","answer":"Financial Plans & Strategies provides financial planning and 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 Plans & Strategies charge?","answer":"Financial Plans & Strategies charges up to 1.50% a year for its Investment Management Services. The fee is billed in arrears and is negotiable.","source":"PART 2A BROCHURE, filed 6 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Financial Plans & Strategies use?","answer":"Financial Plans & Strategies’ separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $321M and Charles Schwab & Co., Inc. (Westlake, TX), with $264M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Financial Plans & Strategies have?","answer":"Financial Plans & Strategies has 5 investment adviser representatives registered with state securities authorities, out of 12 employees, and 5 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 Plans & Strategies invest in?","answer":"At the end of its last fiscal year, Financial Plans & Strategies’ separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 10% cash and equivalents and 3% exchange-traded equities.","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 Plans & Strategies?","answer":"Financial Plans & Strategies’ direct owners are Maggie Meiners (50% to 75%) and Bauer Schmeltz (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 29 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Financial Plans & Strategies get paid?","answer":"Financial Plans & Strategies is paid through a percentage of assets under management, hourly charges, fixed fees and commissions. Its Form ADV lists no 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 Plans & Strategies?","answer":"Financial Plans & Strategies’ main office is at 375 N. Madison Avenue, Greenwood, IN 46142-3636. Its phone number is 317-882-7675.","source":"Form ADV Part 1A, Item 1.F, filed 29 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."}