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The fee is billed in arrears and is negotiable.","source":"INVESTMENTS & FINANCIAL PLANNING, LLC ADV BROCHURE, filed 27 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Investments & Financial Planning use?","answer":"Investments & Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $302M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Investments & Financial Planning have?","answer":"Investments & Financial Planning has 2 investment adviser representatives registered with state securities authorities, out of 6 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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 Investments & Financial Planning invest in?","answer":"At the end of its last fiscal year, Investments & Financial Planning’s separately managed accounts held 60% exchange-traded equities, 38% registered funds (mutual funds, ETFs, BDCs) 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 Investments & Financial Planning?","answer":"Investments & Financial Planning’s direct owners are David Short (50% to 75%) and James Mullins (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 27 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Investments & Financial Planning get paid?","answer":"Investments & Financial Planning is paid through a percentage of assets under management, hourly charges and fixed fees. 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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."}