{"url":"https://nivawealth.com/firms/frisco-financial-planning-132585","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/132585","regulatoryAum":131062915,"crd":"132585","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2778797","suffix":null,"lastName":"GAY","firstName":"JOHN","middleName":"COLEMAN"}],"total":1,"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":"2025-03-04","regulatoryAum":109764749,"clients":47,"employees":1,"offices":1},{"filedOn":"2026-07-14","regulatoryAum":131062915,"clients":50,"employees":1,"offices":1}],"secFileNumber":"801-130915","legalName":"Frisco Financial Planning LLC","displayName":"Frisco Financial Planning","slug":"frisco-financial-planning-132585","website":"https://friscofinancialplanning.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Texas limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"14 August 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2621258.3,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":131062915,"discretionary":131062915,"discretionaryAccounts":222,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":7,"regulatoryAum":4240030},{"label":"High-net-worth individuals","clients":43,"regulatoryAum":126822885}],"feePrograms":[{"role":"main","program":"Asset management fee","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.85,"from":1000000},{"to":6000000,"pct":0.7,"from":3000000},{"to":null,"pct":0.55,"from":6000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051630","versionId":1051630,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-07-14","documentName":"FFP DISCLOSURE BROCHURE","fee_rate_low":0.55,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Project planning and consulting","summary":"Project fees are quoted in advance, charged pay as you go and based on the project's complexity, accounts and time required.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051630","versionId":1051630,"submittedOn":"2026-07-14","documentName":"FFP DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:09:46.121482+00:00","documents":[{"name":"FFP DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051630","versionId":1051630,"submittedOn":"2026-07-14"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":131062915}],"custodyNote":"Frisco Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"John Gay","title":"President/CCO","crd":"2778797"}],"ownership":[{"label":"John Gay","detail":"President/cco in the 75% or more ownership band and a control person, since August 2004."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"469-248-6237","stateRegisteredReps":1,"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","Publication of periodicals or newsletters"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":99},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"14 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/132585/PDF/132585.pdf","brochureDate":"14 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1051630","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 Frisco Financial Planning have?","answer":"Frisco Financial Planning has 50 clients and manages $131 million for them, as of July 2026. They include 43 high-net-worth individuals and 7 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 14 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Frisco Financial Planning offer?","answer":"Frisco Financial Planning provides financial planning, portfolio management for individuals and small businesses, and publishing newsletters.","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 Frisco Financial Planning charge?","answer":"Frisco Financial Planning charges 0.55%–1.00% a year for its Asset management fee. Each asset band is charged at its own rate. The fee is billed in arrears.","source":"FFP DISCLOSURE BROCHURE, filed 14 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Frisco Financial Planning use?","answer":"Frisco Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $131M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 14 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Frisco Financial Planning have?","answer":"Frisco Financial Planning has 1 investment adviser representative registered with state securities authorities, out of 1 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 Frisco Financial Planning invest in?","answer":"At the end of its last fiscal year, Frisco Financial Planning’s separately managed accounts held 99% exchange-traded equities and 1% 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":"Who owns Frisco Financial Planning?","answer":"Frisco Financial Planning’s direct owner is John Gay (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 14 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Frisco Financial Planning get paid?","answer":"Frisco 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 Frisco Financial Planning?","answer":"Its phone number is 469-248-6237. Its website is friscofinancialplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 14 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/frisco-financial-planning-132585/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-02","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2133972/000213397226000008/0002133972-26-000008-index.html","totalValue":132691284,"positionCount":29,"top10Share":0.8451873824659049,"top10":[{"issuer":"Vanguard Small-Cap ETF","titleOfClass":"Exchange Traded Fund","cusip":"922908751","value":16228933,"shares":53540,"shareType":"SH","priorValue":14306802,"priorShares":54623},{"issuer":"Vanguard Tax-Exempt Bond ETF","titleOfClass":"Exchange Traded Fund","cusip":"922907746","value":15464534,"shares":305744,"shareType":"SH","priorValue":13802900,"priorShares":276667},{"issuer":"Vanguard FTSE Developed Markets ETF","titleOfClass":"Exchange Traded 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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."}