{"url":"https://nivawealth.com/firms/investment-management-and-planning-146041","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/146041","regulatoryAum":238848448,"crd":"146041","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2629855","suffix":null,"lastName":"ABOOD","firstName":"JOHN","middleName":"MICHAEL"},{"crd":"8267810","suffix":null,"lastName":"LAMBERT","firstName":"STEPHEN","middleName":"MAXWELL"},{"crd":"5491845","suffix":null,"lastName":"MACDONALD","firstName":"JEFFREY","middleName":"H."},{"crd":"2175911","suffix":null,"lastName":"RICHARDSON","firstName":"HOWARD","middleName":"CALVERT"}],"total":4,"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":167493967,"clients":327,"employees":4,"offices":2},{"filedOn":"2022-02-16","regulatoryAum":229136112,"clients":315,"employees":3,"offices":2},{"filedOn":"2023-01-27","regulatoryAum":185663589,"clients":518,"employees":3,"offices":2},{"filedOn":"2024-01-24","regulatoryAum":197398269,"clients":319,"employees":3,"offices":2},{"filedOn":"2025-03-07","regulatoryAum":205167419,"clients":330,"employees":3,"offices":2},{"filedOn":"2026-03-25","regulatoryAum":238848448,"clients":511,"employees":3,"offices":2}],"secFileNumber":"801-107553","legalName":"Investment Management & Planning LLC","displayName":"Investment Management & Planning","slug":"investment-management-and-planning-146041","website":"https://imandp.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"20 Montchanin Road, Suite 270","city":"Greenville","state":"DE","stateName":"Delaware","country":"United States","postalCode":"19807"},"tradeNames":[],"registration":{"secApproved":"4 April 2016","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":466894.3161033797,"staff":{"employees":3,"advisory":3,"brokerDealerReps":3,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":238848448,"discretionary":238848448,"discretionaryAccounts":731,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":205167419,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":189,"regulatoryAum":34731976},{"label":"High-net-worth individuals","clients":314,"regulatoryAum":200115865},{"label":"Pension and profit-sharing plans","clients":6,"regulatoryAum":3249385},{"label":"Corporations and other businesses","clients":2,"regulatoryAum":751222}],"feePrograms":[{"role":"other","program":"Financial planning and consulting","summary":"Financial planning and consulting is billed at $250 an hour, negotiable based on complexity and the range of services.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060323","versionId":1060323,"submittedOn":"2026-10-06","documentName":"INVESTMENT MANAGEMENT & PLANNING - ADV PART 2A"},{"role":"other","program":"Retirement plan consulting","summary":"Retirement plan consulting fees will not exceed 2% of plan assets under management, based on scope and complexity.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060323","versionId":1060323,"submittedOn":"2026-10-06","documentName":"INVESTMENT MANAGEMENT & PLANNING - ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T13:41:30.270101+00:00","documents":[{"name":"INVESTMENT MANAGEMENT & PLANNING - ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060323","versionId":1060323,"submittedOn":"2026-10-06"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025558","versionId":1025558,"submittedOn":null}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Boston, MA","smaAssets":238848448}],"custodyNote":"Investment Management & Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Howard Richardson","title":"Managing Member / Chief Compliance Officer","crd":"2175911"}],"ownership":[{"label":"Howard Richardson","detail":"Managing member / chief compliance officer in the 75% or more ownership band and a control person, since January 2002."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Delaware","offices":1,"addresses":[{"street":"20 Montchanin Road, Suite 270","city":"Greenville","headquarters":true}]},{"state":"Florida","offices":1,"addresses":[{"street":"6361 Presidential Court","city":"Fort Myers"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"302-654-5449","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":15},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":81},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/146041/PDF/146041.pdf","brochureDate":"6 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060323","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 Investment Management & Planning have?","answer":"Investment Management & Planning has 511 clients and manages $239 million for them, as of March 2026. They include 314 high-net-worth individuals, 189 individual clients, and 6 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Investment Management & Planning offer?","answer":"Investment Management & 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":"Which custodians does Investment Management & Planning use?","answer":"Investment Management & Planning’s separately managed account assets are held at LPL Financial LLC (Boston, MA), with $239M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Investment Management & Planning have?","answer":"Investment Management & Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 3 employees are registered representatives of a broker-dealer and 3 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 Investment Management & Planning invest in?","answer":"At the end of its last fiscal year, Investment Management & Planning’s separately managed accounts held 81% registered funds (mutual funds, ETFs, BDCs), 15% exchange-traded equities, 3% 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 Investment Management & Planning?","answer":"Investment Management & Planning’s direct owner is Howard Richardson (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Investment Management & Planning get paid?","answer":"Investment Management & Planning is paid through a percentage of assets under management and hourly charges. 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 Investment Management & Planning?","answer":"Investment Management & Planning’s main office is at 20 Montchanin Road, Suite 270, Greenville, DE 19807. Its phone number is 302-654-5449. Its website is imandp.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 March 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."}