{"url":"https://nivawealth.com/firms/if-advisors-309631","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/309631","regulatoryAum":491447684,"crd":"309631","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5393352","suffix":null,"lastName":"HASELHORST","firstName":"MARY","middleName":"JO"},{"crd":"4593950","suffix":"JR","lastName":"WHITE","firstName":"PHILIP","middleName":"ANDERSON"}],"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"},"history":[{"filedOn":"2021-03-22","regulatoryAum":246774501,"clients":58,"employees":2,"offices":1},{"filedOn":"2022-03-24","regulatoryAum":288365311,"clients":65,"employees":3,"offices":1},{"filedOn":"2023-03-30","regulatoryAum":272377018,"clients":72,"employees":3,"offices":1},{"filedOn":"2024-03-12","regulatoryAum":302757900,"clients":72,"employees":3,"offices":1},{"filedOn":"2025-03-13","regulatoryAum":341985498,"clients":73,"employees":3,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":491447684,"clients":92,"employees":4,"offices":2}],"secFileNumber":"801-119256","legalName":"If Advisors, LLC","displayName":"If Advisors","slug":"if-advisors-309631","website":"https://inflectionfinancial.com/","classification":{"segment":"institutions","segmentLabel":"Institutional","type":"retirement_plan_adviser","typeLabel":"Retirement plans","feeDisclosure":"payment_only"},"founded":null,"organization":"Texas limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":["If Advisors"],"registration":{"secApproved":"10 August 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":3672218.6666666665,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":491447684,"discretionary":485408656,"discretionaryAccounts":246,"nonDiscretionary":6039028,"nonDiscretionaryAccounts":10,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":15,"regulatoryAum":3042881},{"label":"High-net-worth individuals","clients":39,"regulatoryAum":195256927},{"label":"Pension and profit-sharing plans","clients":38,"regulatoryAum":293147876}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Antonio, TX","smaAssets":197793808},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":146529552},{"name":"Ascensus Trust Company","shortName":"Ascensus Trust","location":"Fargo, ND","smaAssets":61744559}],"custodyNote":"If Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Philip White","title":"Partner, Chief Compliance Officer","crd":"4593950"}],"ownership":[{"label":"Philip White","detail":"Partner, chief compliance officer in the 75% or more ownership band and a control person, since May 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"210-200-8878","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":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":26},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":62},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/309631/PDF/309631.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does If Advisors have?","answer":"If Advisors has 92 clients and manages $491 million for them, as of March 2026. They include 39 high-net-worth individuals, 38 pension and profit-sharing plans, and 15 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does If Advisors offer?","answer":"If Advisors 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":"Which custodians does If Advisors use?","answer":"If Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Antonio, TX), with $198M, Fidelity Brokerage Services LLC (Smithfield, RI), with $147M and Ascensus Trust Company (Fargo, ND), with $61.7M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does If Advisors have?","answer":"If Advisors has 2 investment adviser representatives registered with state securities authorities, out of 4 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 If Advisors invest in?","answer":"At the end of its last fiscal year, If Advisors’ separately managed accounts held 62% registered funds (mutual funds, ETFs, BDCs), 26% exchange-traded equities, 12% cash and equivalents and 1% U.S. government and agency 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 If Advisors?","answer":"If Advisors’ direct owner is Philip White (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does If Advisors get paid?","answer":"If Advisors 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 If Advisors?","answer":"Its phone number is 210-200-8878. Its website is inflectionfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/if-advisors-309631/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-13","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2109472/000210947226000004/0002109472-26-000004-index.html","totalValue":152119209,"positionCount":60,"top10Share":0.5737612138122543,"top10":[{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Large-Cap ETF","cusip":"922908637","value":18273658,"shares":53135,"shareType":"SH","priorValue":14670845,"priorShares":49091},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard FTSE Developed Markets ETF","cusip":"921943858","value":16256400,"shares":228160,"shareType":"SH","priorValue":14267028,"priorShares":222644},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Mid-Cap ETF","cusip":"922908629","value":11614649,"shares":144156,"shareType":"SH","priorValue":10112469,"priorShares":35213},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard FTSE Emerging Markets ETF","cusip":"922042858","value":8250949,"shares":138230,"shareType":"SH","priorValue":7041958,"priorShares":130286},{"issuer":"Berkshire Hathaway Inc Del","titleOfClass":"Class B Common Stock","cusip":"084670702","value":5891592,"shares":11774,"shareType":"SH","priorValue":5545782,"priorShares":11573},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Value ETF","cusip":"922908744","value":5847062,"shares":26830,"shareType":"SH","priorValue":5268755,"priorShares":26854},{"issuer":"Vanguard Bond Index Funds","titleOfClass":"Vanguard Total Bond Market ETF","cusip":"921937835","value":5521827,"shares":75219,"shareType":"SH","priorValue":5262388,"priorShares":71461},{"issuer":"iShares Trust","titleOfClass":"iShares MSCI EAFE Value ETF","cusip":"464288877","value":5397128,"shares":70505,"shareType":"SH","priorValue":4694311,"priorShares":63138},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Small-Cap ETF","cusip":"922908751","value":5360071,"shares":17683,"shareType":"SH","priorValue":4588315,"priorShares":17518},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Total Stock Market ETF","cusip":"922908769","value":4866766,"shares":13152,"shareType":"SH","priorValue":4212235,"priorShares":13130}],"positionsListed":60,"positions":[{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Large-Cap ETF","cusip":"922908637","value":18273658,"shares":53135,"shareType":"SH","priorValue":14670845,"priorShares":49091},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard FTSE Developed Markets ETF","cusip":"921943858","value":16256400,"shares":228160,"shareType":"SH","priorValue":14267028,"priorShares":222644},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Mid-Cap ETF","cusip":"922908629","value":11614649,"shares":144156,"shareType":"SH","priorValue":10112469,"priorShares":35213},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard FTSE Emerging Markets ETF","cusip":"922042858","value":8250949,"shares":138230,"shareType":"SH","priorValue":7041958,"priorShares":130286},{"issuer":"Berkshire Hathaway Inc Del","titleOfClass":"Class B Common Stock","cusip":"084670702","value":5891592,"shares":11774,"shareType":"SH","priorValue":5545782,"priorShares":11573},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Value ETF","cusip":"922908744","value":5847062,"shares":26830,"shareType":"SH","priorValue":5268755,"priorShares":26854},{"issuer":"Vanguard Bond Index Funds","titleOfClass":"Vanguard Total Bond Market ETF","cusip":"921937835","value":5521827,"shares":75219,"shareType":"SH","priorValue":5262388,"priorShares":71461},{"issuer":"iShares Trust","titleOfClass":"iShares MSCI EAFE Value ETF","cusip":"464288877","value":5397128,"shares":70505,"shareType":"SH","priorValue":4694311,"priorShares":63138},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Small-Cap ETF","cusip":"922908751","value":5360071,"shares":17683,"shareType":"SH","priorValue":4588315,"priorShares":17518},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Total Stock Market ETF","cusip":"922908769","value":4866766,"shares":13152,"shareType":"SH","priorValue":4212235,"priorShares":13130},{"issuer":"American Century ETF Trust","titleOfClass":"Avantis U.S. Small Cap Value ETF","cusip":"025072877","value":4526792,"shares":36284,"shareType":"SH","priorValue":3664511,"priorShares":33172},{"issuer":"iShares Trust","titleOfClass":"iShares 3-7 Year Treasury Bond ETF","cusip":"464288661","value":4214341,"shares":35882,"shareType":"SH","priorValue":3798165,"priorShares":32025},{"issuer":"Vanguard Specialized Funds","titleOfClass":"Vanguard Real Estate ETF","cusip":"922908553","value":4046203,"shares":41960,"shareType":"SH","priorValue":3635015,"priorShares":40981},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab U.S. Large-Cap ETF","cusip":"808524201","value":3987206,"shares":135481,"shareType":"SH","priorValue":3204359,"priorShares":124975},{"issuer":"JPMorgan Trust I","titleOfClass":"JPMorgan Ultra-Short Municipal Income ETF","cusip":"46641Q654","value":3519000,"shares":69000,"shareType":"SH","priorValue":8054840,"priorShares":158000},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab International Equity ETF","cusip":"808524805","value":3469757,"shares":125262,"shareType":"SH","priorValue":2684261,"priorShares":108455},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab U.S. Small-Cap ETF","cusip":"808524607","value":3004173,"shares":83149,"shareType":"SH","priorValue":2417973,"priorShares":83149},{"issuer":"iShares Trust","titleOfClass":"iShares 1-3 Year Treasury Bond ETF","cusip":"464287457","value":2972300,"shares":36199,"shareType":"SH","priorValue":2631423,"priorShares":31869},{"issuer":"American Century ETF Trust","titleOfClass":"Avantis U.S. Large Cap Value ETF","cusip":"025072349","value":2744874,"shares":30094,"shareType":"SH","priorValue":2166233,"priorShares":26873},{"issuer":"Janus Detroit Street Trust","titleOfClass":"Janus Henderson AAA CLO ETF","cusip":"47103U845","value":2421012,"shares":47950,"shareType":"SH","priorValue":2364348,"priorShares":46940},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Small-Cap Value ETF","cusip":"922908611","value":2299657,"shares":9464,"shareType":"SH","priorValue":2067351,"priorShares":9516},{"issuer":"iShares Trust","titleOfClass":"iShares Short-Term National Muni Bond ETF","cusip":"464288158","value":2022930,"shares":19000,"shareType":"SH","priorValue":4526250,"priorShares":42500},{"issuer":"Vanguard Municipal Bond Funds","titleOfClass":"Vanguard Short-Term Tax-Exempt Bond ETF","cusip":"921935870","value":1965414,"shares":19400,"shareType":"SH","priorValue":4500730,"priorShares":44500},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab U.S. Mid-Cap ETF","cusip":"808524508","value":1845059,"shares":50042,"shareType":"SH","priorValue":1549309,"priorShares":50042},{"issuer":"iShares Trust","titleOfClass":"iShares Russell 2000 ETF","cusip":"464287655","value":1829140,"shares":6088,"shareType":"SH","priorValue":1513048,"priorShares":6101},{"issuer":"Dimensional ETF Trust","titleOfClass":"Dimensional U.S. Core Equity 2 ETF","cusip":"25434V708","value":1529843,"shares":34487,"shareType":"SH","priorValue":1340165,"priorShares":34487},{"issuer":"Exxon Mobil Corp","titleOfClass":"Common Stock","cusip":"30231G102","value":1508158,"shares":11031,"shareType":"SH","priorValue":1941250,"priorShares":11442},{"issuer":"iShares Trust","titleOfClass":"iShares 7-10 Year Treasury Bond ETF","cusip":"464287440","value":1362943,"shares":14412,"shareType":"SH","priorValue":1070741,"priorShares":11219},{"issuer":"American Century ETF Trust","titleOfClass":"Avantis U.S. Equity ETF","cusip":"025072885","value":1277854,"shares":9977,"shareType":"SH","priorValue":1109243,"priorShares":9977},{"issuer":"Tesla Inc","titleOfClass":"Common Stock","cusip":"88160R101","value":1177259,"shares":2799,"shareType":"SH","priorValue":1040528,"priorShares":2799},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab U.S. Dividend Equity ETF","cusip":"808524797","value":960940,"shares":30304,"shareType":"SH","priorValue":929727,"priorShares":30304},{"issuer":"Dimensional ETF Trust","titleOfClass":"Dimensional International Core Equity 2 ETF","cusip":"25434V799","value":957582,"shares":25700,"shareType":"SH","priorValue":913121,"priorShares":25700},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab U.S. REIT ETF","cusip":"808524847","value":780138,"shares":32945,"shareType":"SH","priorValue":707988,"priorShares":32945},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab Emerging Markets Equity ETF","cusip":"808524706","value":703517,"shares":19402,"shareType":"SH","priorValue":639296,"priorShares":19402},{"issuer":"iShares Trust","titleOfClass":"iShares Core MSCI Emerging Markets ETF","cusip":"46434G103","value":685832,"shares":8279,"shareType":"SH","priorValue":577460,"priorShares":8279},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard S&P 500 ETF","cusip":"922908363","value":662772,"shares":965,"shareType":"SH","priorValue":576636,"priorShares":965},{"issuer":"Vanguard Municipal Bond Funds","titleOfClass":"Vanguard Tax-Exempt Bond ETF","cusip":"922907746","value":556380,"shares":11000,"shareType":"SH","priorValue":798240,"priorShares":16000},{"issuer":"Dimensional ETF Trust","titleOfClass":"Dimensional Emerging Markets Core 2 ETF","cusip":"25434V732","value":549656,"shares":13525,"shareType":"SH","priorValue":467289,"priorShares":13525},{"issuer":"SPDR Series Trust","titleOfClass":"SPDR Bloomberg 1-3 Month T-Bill ETF","cusip":"78464A680","value":530687,"shares":5791,"shareType":"SH","priorValue":288666,"priorShares":3150},{"issuer":"NVIDIA Corp","titleOfClass":"Common Stock","cusip":"67066G104","value":496924,"shares":2484,"shareType":"SH","priorValue":432791,"priorShares":2482},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab International Dividend Equity ETF","cusip":"808524672","value":453929,"shares":14306,"shareType":"SH","priorValue":660428,"priorShares":20860},{"issuer":"Alphabet Inc","titleOfClass":"Class C Capital Stock","cusip":"02079K107","value":450496,"shares":1275,"shareType":"SH","priorValue":365747,"priorShares":1275},{"issuer":"Pacer Funds Trust","titleOfClass":"Pacer US Small Cap Cash Cows 100 ETF","cusip":"69374H857","value":447899,"shares":8850,"shareType":"SH","priorValue":397100,"priorShares":8850},{"issuer":"American Century ETF Trust","titleOfClass":"Avantis International Large Cap Value ETF","cusip":"025072364","value":438507,"shares":5664,"shareType":"SH","priorValue":311592,"priorShares":4164},{"issuer":"SPDR Series Trust","titleOfClass":"SPDR S&P 600 Small Cap Value ETF","cusip":"78464A300","value":417128,"shares":3823,"shareType":"SH","priorValue":361579,"priorShares":3823},{"issuer":"Lilly Eli & Co","titleOfClass":"Common Stock","cusip":"532457108","value":393413,"shares":328,"shareType":"SH"},{"issuer":"iShares Trust","titleOfClass":"iShares Core MSCI EAFE ETF","cusip":"46432F842","value":392598,"shares":4065,"shareType":"SH","priorValue":368004,"priorShares":4065},{"issuer":"Schwab Strategic Trust","titleOfClass":"Schwab U.S. Large-Cap Value ETF","cusip":"808524409","value":336961,"shares":9680,"shareType":"SH","priorValue":295240,"priorShares":9680},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Total International Stock ETF","cusip":"921909768","value":291179,"shares":3406,"shareType":"SH","priorValue":262637,"priorShares":3406},{"issuer":"WisdomTree Trust","titleOfClass":"WisdomTree U.S. MidCap Fund","cusip":"97717W570","value":285325,"shares":3765,"shareType":"SH","priorValue":253083,"priorShares":3765},{"issuer":"iShares Trust","titleOfClass":"iShares Core S&P 500 ETF","cusip":"464287200","value":264358,"shares":353,"shareType":"SH","priorValue":230583,"priorShares":353},{"issuer":"Hilltop Holdings Inc","titleOfClass":"Common Stock","cusip":"432748101","value":263704,"shares":6800,"shareType":"SH","priorValue":243576,"priorShares":6800},{"issuer":"American Century ETF Trust","titleOfClass":"Avantis U.S. Small Cap ETF","cusip":"025072323","value":232634,"shares":3172,"shareType":"SH"},{"issuer":"Oklo Inc","titleOfClass":"Class A Common Stock","cusip":"02156V109","value":232502,"shares":4443,"shareType":"SH","priorValue":220328,"priorShares":4443},{"issuer":"Select Sector SPDR Trust","titleOfClass":"Select Sector SPDR Real Estate ETF","cusip":"81369Y860","value":226666,"shares":5148,"shareType":"SH"},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Extended Market ETF","cusip":"922908652","value":225282,"shares":915,"shareType":"SH"},{"issuer":"American Century ETF Trust","titleOfClass":"Avantis International Small Cap Value ETF","cusip":"025072802","value":223825,"shares":2172,"shareType":"SH"},{"issuer":"Commercial Metals Co","titleOfClass":"Common Stock","cusip":"201723103","value":221884,"shares":3536,"shareType":"SH","priorValue":217216,"priorShares":3536},{"issuer":"Amazon.com Inc","titleOfClass":"Common Stock","cusip":"023135106","value":220226,"shares":924,"shareType":"SH"},{"issuer":"Vanguard Index Funds","titleOfClass":"Vanguard Dividend Appreciation ETF","cusip":"921908844","value":212248,"shares":897,"shareType":"SH"}]},"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."}