Five Speed Financial Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 11–25 clients last fiscal year.
Five Speed Financial Planning reports 353 clients. They include 332 individual clients and 21 high-net-worth individuals. Of its assets, 100.0% ($115M across 493 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 94% | 64% |
| High-net-worth individuals | 6% | 36% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 332 | $73.2M | 63.8% | $221K |
| High-net-worth individuals | 21 | $41.6M | 36.2% | $1.98M |
| Total | 353 | $115M | 100% | $325K |
- Clients
- 332
- Regulatory AUM
- $73.2M
- AUM share
- 63.8%
- Avg. per client
- $221K
- Clients
- 21
- Regulatory AUM
- $41.6M
- AUM share
- 36.2%
- Avg. per client
- $1.98M
Total
- Clients
- 353
- Regulatory AUM
- $115M
- AUM share
- 100%
- Avg. per client
- $325K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Five Speed Financial Planning charges 0.75%–1.25% a year for its Asset Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance, is negotiable and requires an account of at least $250,000. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $250K–$500K | 1.25% |
| $500K–$1M | 1.00% |
| $1M–$3M | 0.85% |
| $3M and above | 0.75% |
Fee details and sources
Other fees
- Financial Planning
- Flat fee based on complexity with a maximum of $25,000, due at commencement; a plan may be billed 50% in advance with the balance on delivery.
Mary Schulz owns 75% or more of Five Speed Financial Planning. It has 4 employees.
Leadership
Mary SchulzManaging Member/CCO
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 4 in advisory functions
- 4 state-registered reps
- 2 insurance agents
- Owns 75% or more of Five Speed Financial Planning LLC
Mary Schulz
Control person · since September 2017
Besides its headquarters, Five Speed Financial Planning has 0 offices, with 1 listed address in Arizona.
Arizona · 1 listed address
- 6849 N Oracle RD,, Ste 175, TucsonHQ
Other business names
Five Speed Financial Planning has reported 3 other business names to the SEC.
- Milestones Insurance
- Navigant Wealth Advisors
- Wayfinder Lifestyle Planning
Contact and registration details
- Legal name
- Five Speed Financial Planning LLC
- Headquarters
- 6849 N Oracle RD,, Ste 175, Tucson, AZ 85704
- Website
- schulzfinancialgroup.com
- Phone
- 520-495-2800
- @schulz-financial-group
- SEC file
- 801-135037
- Structure
- Arizona LLC
- Fiscal year end
- December
Five Speed Financial Planning uses Fidelity ($88M, 77%), Commonwealth ($25M, 22%) and American Funds ($1.39M, 1%) as custodians for its separately managed accounts. Five Speed Financial Planning has custody of $325K in client assets for 6 clients.
- FidelityFidelity Investments · Boston, MA · $88M77%
- CommonwealthCommonwealth · Waltham, MA · $25M22%
- American FundsAmerican Funds · Carmet, IN · $1.39M1%
At year end, Five Speed Financial Planning’s separately managed accounts were mostly in funds (61%) and stocks (36%).
What the accounts hold
- Stocks36%
- Funds61%
- Cash3%
How many clients does Five Speed Financial Planning have?
Five Speed Financial Planning has 353 clients and manages $115 million for them, as of August 2026. They include 332 individual clients and 21 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 28 August 2026
What services does Five Speed Financial Planning offer?
Five Speed Financial Planning 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
How much does Five Speed Financial Planning charge?
Five Speed Financial Planning charges 0.75%–1.25% a year for its Asset Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance, is negotiable and requires an account of at least $250,000.
Source: ADV PART 2, filed 23 April 2026
Which custodians does Five Speed Financial Planning use?
Five Speed Financial Planning’s separately managed account assets are held at Fidelity Investments (Boston, MA), with $88M, Commonwealth (Waltham, MA), with $25M and American Funds (Carmet, IN), with $1.39M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 August 2026
How many financial advisors does Five Speed Financial Planning have?
Five Speed Financial Planning has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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
What does Five Speed Financial Planning invest in?
At the end of its last fiscal year, Five Speed Financial Planning’s separately managed accounts held 61% registered funds (mutual funds, ETFs, BDCs), 36% exchange-traded equities and 3% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Five Speed Financial Planning have a minimum investment?
Yes, Five Speed Financial Planning’s minimum account size for its Asset Management is $250K.
Source: ADV PART 2, filed 23 April 2026
Who owns Five Speed Financial Planning?
Five Speed Financial Planning’s direct owner is Mary Schulz (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 28 August 2026
How does Five Speed Financial Planning get paid?
Five Speed Financial Planning 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
How do I contact Five Speed Financial Planning?
Five Speed Financial Planning’s main office is at 6849 N Oracle RD,, Ste 175, Tucson, AZ 85704. Its phone number is 520-495-2800. Its website is schulzfinancialgroup.com.