{"url":"https://nivawealth.com/firms/fully-financial-326015","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/326015","regulatoryAum":111147357,"crd":"326015","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6935645","suffix":null,"lastName":"JACOBS-NICHELSON","firstName":"BENJAMIN","middleName":"ISAAC"},{"crd":"7382656","suffix":null,"lastName":"Rasmussen","firstName":"Ryan","middleName":"Miller"}],"total":2,"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":"801-136738","legalName":"Fully Financial, LLC","displayName":"Fully Financial","slug":"fully-financial-326015","website":"https://fullyfin.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/326015/d90175e5928316eb-r1.webp","tone":"light","width":668,"height":200,"sourceUrl":"https://www.fullyfin.com/","sourceLabel":"Fully Financial, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/fullyfinancial","founded":null,"organization":"Georgia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"295 W Clayton St, Suite 100-B","city":"Athens","state":"GA","stateName":"Georgia","country":"United States","postalCode":"30601"},"tradeNames":[],"registration":{"secApproved":"14 July 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":909656.7478991597,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":111147357,"discretionary":111147357,"discretionaryAccounts":561,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":85,"regulatoryAum":28902826},{"label":"High-net-worth individuals","clients":34,"regulatoryAum":79346327},{"label":"Pension and profit-sharing plans","clients":8,"regulatoryAum":2898204}],"feePrograms":[{"role":"main","program":"Investment Management and Financial Planning Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":2000000,"pct":0.85,"from":1000000},{"to":3000000,"pct":0.7,"from":2000000},{"to":5000000,"pct":0.5,"from":3000000},{"to":null,"pct":0.25,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049501","versionId":1049501,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-06-25","documentName":"ADV PART 2A","fee_rate_low":0.25,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":4500},{"role":"other","program":"Project-Based Financial Planning","summary":"Project-based financial planning is billed at a fixed fee or at hourly rates of $200 to $400 per hour, which are negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049501","versionId":1049501,"submittedOn":"2026-06-25","documentName":"ADV PART 2A"},{"role":"other","program":"Retirement Plan Management and Pension Consulting Services","summary":"Retirement plan services are charged a negotiable annual fee on assets: 0.50% on the first $5 million, 0.40% on the next $5 million, 0.30% on the next $15 million and 0.20% above $25 million; corporate plans pay a $5,000 minimum per year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049501","versionId":1049501,"submittedOn":"2026-06-25","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:28:48.64568+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049501","versionId":1049501,"submittedOn":"2026-06-25"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050655","versionId":1050655,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":89781078}],"custodyNote":"Fully Financial has custody of $61.1M for 83 clients.","otherCustodians":[],"leadership":[{"name":"Cody Jacobs-Nichelson","title":"Founder / Chief Operating Officer / Member","crd":"7717935"},{"name":"Benjamin Jacobs-Nichelson","title":"Founder / Chief Compliance Officer / Managing Member","crd":"6935645"}],"ownership":[{"label":"Benjamin Jacobs-Nichelson","detail":"Founder / chief compliance officer / managing member in the 50% to 75% ownership band and a control person, since May 2023."},{"label":"Cody Jacobs-Nichelson","detail":"Founder / chief operating officer / member in the 50% to 75% ownership band and a control person, since May 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"295 W Clayton St, Suite 100-B","city":"Athens","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"706-389-8426","stateRegisteredReps":2,"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","Pension consulting services"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"U.S. government/agency bonds","percent":4},{"label":"Securities issued by registered investment companies or business development companies","percent":89},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"2 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/326015/PDF/326015.pdf","brochureDate":"25 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049501","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 Fully Financial have?","answer":"Fully Financial has 127 clients and manages $111 million for them, as of July 2026. They include 85 individual clients, 34 high-net-worth individuals, and 8 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Fully Financial offer?","answer":"Fully Financial provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","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 Fully Financial charge?","answer":"Fully Financial charges 0.25%–1.00% a year for its Investment Management and Financial Planning Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $4,500 annual minimum.","source":"ADV PART 2A, filed 25 June 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Fully Financial use?","answer":"Fully Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $89.8M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Fully Financial have?","answer":"Fully Financial has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 Fully Financial invest in?","answer":"At the end of its last fiscal year, Fully Financial’s separately managed accounts held 89% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 4% U.S. government and agency bonds and 2% 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 Fully Financial?","answer":"Fully Financial’s direct owners are Benjamin Jacobs-Nichelson (50% to 75%) and Cody Jacobs-Nichelson (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 2 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Fully Financial get paid?","answer":"Fully Financial 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 Fully Financial?","answer":"Fully Financial’s main office is at 295 W Clayton St, Suite 100-B, Athens, GA 30601. Its phone number is 706-389-8426. Its website is fullyfin.com.","source":"Form ADV Part 1A, Item 1.F, filed 2 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."}