{"url":"https://nivawealth.com/firms/five-speed-financial-planning-339660","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/339660","regulatoryAum":114881655,"crd":"339660","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6566811","suffix":null,"lastName":"Atencio","firstName":"Andrea","middleName":"Nicole"},{"crd":"6370460","suffix":null,"lastName":"SCHULZ","firstName":"MARY","middleName":"GRACE"},{"crd":"7508362","suffix":null,"lastName":"Trujillo","firstName":"Nicholas","middleName":"George"}],"total":3,"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"},"secFileNumber":"801-135037","legalName":"Five Speed Financial Planning LLC","displayName":"Five Speed Financial Planning","slug":"five-speed-financial-planning-339660","website":"https://schulzfinancialgroup.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/schulz-financial-group/","xUrl":"https://twitter.com/schulzfinancial","founded":null,"organization":"Arizona limited liability company","fiscalYearEnd":"December","headquarters":{"street":"6849 N Oracle RD,, Ste 175","city":"Tucson","state":"AZ","stateName":"Arizona","country":"United States","postalCode":"85704"},"tradeNames":["Milestones Insurance","Navigant Wealth Advisors","Wayfinder Lifestyle Planning"],"registration":{"secApproved":"6 January 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":325443.78186968836,"staff":{"employees":4,"advisory":4,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":114881655,"discretionary":114881655,"discretionaryAccounts":493,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":332,"regulatoryAum":73248293},{"label":"High-net-worth individuals","clients":21,"regulatoryAum":41633362}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"whole_balance","fee_tiers":[{"to":500000,"pct":1.25,"from":250000},{"to":1000000,"pct":1,"from":500000},{"to":3000000,"pct":0.85,"from":1000000},{"to":null,"pct":0.75,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042459","versionId":1042459,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-04-23","documentName":"ADV PART 2","fee_rate_low":0.75,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042459","versionId":1042459,"submittedOn":"2026-04-23","documentName":"ADV PART 2"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T18:12:46.70293+00:00","documents":[{"name":"ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042459","versionId":1042459,"submittedOn":"2026-04-23"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Boston, MA","smaAssets":87964745},{"name":"Commonwealth","shortName":"Commonwealth","location":"Waltham, MA","smaAssets":24990233},{"name":"American Funds","shortName":"American Funds","location":"Carmet, IN","smaAssets":1391056}],"custodyNote":"Five Speed Financial Planning has custody of $325K in client assets for 6 clients.","otherCustodians":[],"leadership":[{"name":"Mary Schulz","title":"Managing Member/CCO","crd":"6370460"}],"ownership":[{"label":"Mary Schulz","detail":"Managing member/cco in the 75% or more ownership band and a control person, since September 2017."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":1,"addresses":[{"street":"6849 N Oracle RD,, Ste 175","city":"Tucson","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"520-495-2800","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":36},{"label":"Securities issued by registered investment companies or business development companies","percent":61},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"28 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/339660/PDF/339660.pdf","brochureDate":"23 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042459","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 Five Speed Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Five Speed Financial Planning offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Five Speed Financial Planning charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Five Speed Financial Planning use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Five Speed Financial Planning have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Five Speed Financial Planning invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Does Five Speed Financial Planning have a minimum investment?","answer":"Yes, Five Speed Financial Planning’s minimum account size for its Asset Management is $250K.","source":"ADV PART 2, filed 23 April 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Five Speed Financial Planning?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Five Speed Financial Planning get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Five Speed Financial Planning?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 28 August 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."}