{"url":"https://nivawealth.com/firms/grp-financial-services-333183","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/333183","regulatoryAum":155261578,"crd":"333183","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7654950","suffix":null,"lastName":"Bandstra","firstName":"John","middleName":"Cameron"},{"crd":"7570046","suffix":null,"lastName":"COAN","firstName":"JACOB","middleName":"DANIEL"},{"crd":"7286728","suffix":null,"lastName":"Harder","firstName":"Lance","middleName":"Kenneth James"},{"crd":"6733212","suffix":null,"lastName":"Nichols","firstName":"Nathan","middleName":null},{"crd":"5879671","suffix":null,"lastName":"RILEY","firstName":"BROOKS","middleName":"HUBBELL"}],"total":5,"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":"2025-04-14","regulatoryAum":109866444,"clients":695,"employees":14,"offices":2},{"filedOn":"2026-01-26","regulatoryAum":155261578,"clients":846,"employees":16,"offices":2}],"secFileNumber":"801-131281","legalName":"GRP Financial Services, LLC","displayName":"GRP Financial Services","slug":"grp-financial-services-333183","website":"https://grplans.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Maine limited liability company","fiscalYearEnd":"December","headquarters":{"street":"633 Maine Avenue","city":"Farmingdale","state":"ME","stateName":"Maine","country":"United States","postalCode":"04344"},"tradeNames":["Gosline Retirement Planning, Inc."],"registration":{"secApproved":"10 October 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":183524.32387706856,"staff":{"employees":16,"advisory":5,"brokerDealerReps":0,"insuranceAgents":9,"promoters":0},"aum":{"regulatory":155261578,"discretionary":155261578,"discretionaryAccounts":1972,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":798,"regulatoryAum":102445980},{"label":"High-net-worth individuals","clients":48,"regulatoryAum":52815598}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004006","versionId":1004006,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-01-26","documentName":"GRP ADV PART 2A","fee_rate_low":1,"fee_rate_high":1.7,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Employer sponsored financial education","summary":"Annual fees of 1.00% on the first $1,000,000, 0.75% on the next $4,000,000, 0.50% on the next $5,000,000 and 0.25% on the next $10,000,000 of assets; custom or negotiable above $20,000,000; charged quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004006","versionId":1004006,"submittedOn":"2026-01-26","documentName":"GRP ADV PART 2A"},{"role":"other","program":"Financial planning","summary":"Financial planning is charged in advance: hourly fees range from $250 to $2,500 per hour, and fixed fees for longer-term projects range from $1,000 to $10,000 per project; fees are negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004006","versionId":1004006,"submittedOn":"2026-01-26","documentName":"GRP ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:52:07.686999+00:00","documents":[{"name":"GRP ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004006","versionId":1004006,"submittedOn":"2026-01-26"}]},"custodians":[{"name":"Fidelity Investments","shortName":"Fidelity","location":"Boston, MA","smaAssets":760000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":153553000}],"custodyNote":"GRP Financial Services has custody of $74.4M for 627 clients.","otherCustodians":[],"leadership":[{"name":"Nathan Nichols","title":"Managing Principal","crd":"6733212"},{"name":"Brooks Riley","title":"Investment Advisor / CCO","crd":"5879671"}],"ownership":[{"label":"Nathan Nichols","detail":"Managing principal in the 75% or more ownership band and a control person, since September 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Maine","offices":2,"addresses":[{"street":"633 Maine Avenue","city":"Farmingdale","headquarters":true},{"street":"290 Bridgton Road","city":"Westbrook"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"207-622-4494","stateRegisteredReps":5,"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","Educational seminars/workshops"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":80},{"label":"U.S. government/agency bonds","percent":8},{"label":"Investment grade corporate bonds","percent":7},{"label":"Non-investment grade corporate bonds","percent":2},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"26 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/333183/PDF/333183.pdf","brochureDate":"26 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004006","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 GRP Financial Services have?","answer":"GRP Financial Services has 846 clients and manages $155 million for them, as of January 2026. They include 798 individual clients and 48 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 January 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does GRP Financial Services offer?","answer":"GRP Financial Services provides financial planning, portfolio management for individuals and small businesses, and educational seminars.","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 GRP Financial Services charge?","answer":"GRP Financial Services charges 1.00%–1.70% a year for its Asset Management. The fee is billed in arrears and is negotiable.","source":"GRP ADV PART 2A, filed 26 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does GRP Financial Services use?","answer":"GRP Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $154M and Fidelity Investments (Boston, MA), with $760K. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 January 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does GRP Financial Services have?","answer":"GRP Financial Services has 5 investment adviser representatives registered with state securities authorities, out of 16 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 9 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 GRP Financial Services invest in?","answer":"At the end of its last fiscal year, GRP Financial Services’ separately managed accounts held 80% exchange-traded equities, 8% U.S. government and agency bonds, 7% investment grade corporate bonds, 3% cash and equivalents and 2% high-yield corporate bonds.","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 GRP Financial Services?","answer":"GRP Financial Services’ direct owner is Nathan Nichols (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 26 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does GRP Financial Services get paid?","answer":"GRP Financial Services 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 GRP Financial Services?","answer":"GRP Financial Services’ main office is at 633 Maine Avenue, Farmingdale, ME 04344. Its phone number is 207-622-4494. Its website is grplans.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 January 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."}