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The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A, filed 3 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Investment Planning Advisors use?","answer":"Investment Planning Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $412M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Investment Planning Advisors have?","answer":"Investment Planning Advisors has 4 investment adviser representatives registered with state securities authorities, out of 8 employees, and 4 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 Investment Planning Advisors invest in?","answer":"At the end of its last fiscal year, Investment Planning Advisors’ separately managed accounts held 94% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities and 2% 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 Investment Planning Advisors?","answer":"Investment Planning Advisors’ direct owners are Kenneth Bellavance (75% or more) and Andrew Castleberry (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Investment Planning Advisors get paid?","answer":"Investment Planning Advisors is paid through a percentage of assets under management, hourly charges and fixed fees. 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