Mallini Complete Financial Planning provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 101–250 clients last fiscal year.
Mallini Complete Financial Planning reports 187 clients. They include 131 individual clients and 56 high-net-worth individuals. Of its assets, 99.3% ($175M across 577 accounts) are managed with discretion; $1.27M across 10 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 70% | 21% |
| High-net-worth individuals | 30% | 78% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 131 | $37.2M | 21.1% | $284K |
| High-net-worth individuals | 56 | $138M | 78.3% | $2.46M |
| Charitable organizations | Fewer than 5 | $993K | 0.6% | — |
| Corporations and other businesses | Fewer than 5 | $97.7K | 0.1% | — |
| Total | 187 | $176M | 100% | — |
- Clients
- 131
- Regulatory AUM
- $37.2M
- AUM share
- 21.1%
- Avg. per client
- $284K
- Clients
- 56
- Regulatory AUM
- $138M
- AUM share
- 78.3%
- Avg. per client
- $2.46M
- Clients
- Fewer than 5
- Regulatory AUM
- $993K
- AUM share
- 0.6%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $97.7K
- AUM share
- 0.1%
- Avg. per client
- —
Total
- Clients
- 187
- Regulatory AUM
- $176M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Mallini Complete Financial Planning charges 0.35%–1.25% a year for its Integrated Financial Planning and Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.25% |
| $1M–$3M | 1.00% |
| $3M–$5M | 0.85% |
| $5M–$10M | 0.75% |
| $10M–$20M | 0.65% |
| $20M–$50M | 0.45% |
| $50M and above | 0.35% |
Fee details and sources
Other fees
- SIMPLE IRA plan advisory
- The advisory fee for clients invested in SIMPLE IRA plans is 1.50%, billed quarterly in arrears.
- Standalone financial planning
- Standalone financial planning is billed at an hourly rate of $300, which may be negotiated, with an initial deposit of no more than $1,200 when the agreement is signed.
Lia Bertelson owns 25% to 50% of Mallini Complete Financial Planning. The leadership team of Mallini Complete Financial Planning includes Chief Compliance Officer Lia Bertelson. It has 4 employees, 3 of them in advisory roles.
Staff
- 4 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 25% to 50% of Mallini Complete Financial Planning LLC
Lia Bertelson
Control person · since February 2015
- Owns 25% to 50% of Mallini Complete Financial Planning LLC
Virginia Knoll
Control person · since February 2015
- Owns 25% to 50% of Mallini Complete Financial Planning LLC
Judson Mallini
Control person · since August 2015
Mallini Complete Financial Planning’s regulatory assets grew 1.7× from $104M (February 2022) to $176M (March 2026); clients rose from 157 to 187 and employees fell from 6 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $176M | 187 | 4 | 3 |
| Jul 2025July 2025 | $157M | 177 | 6 | 3 |
| Jul 2024July 2024 | $129M | 172 | 6 | 3 |
| Mar 2023March 2023 | $98.2M | 572 | 6 | 3 |
| Feb 2022February 2022 | $104M | 157 | 6 | 3 |
Besides its headquarters, Mallini Complete Financial Planning has 2 offices, with 3 listed addresses across 2 states.
Florida · 2 listed addresses
- 2631 NW 41st Street, Suite E2, GainesvilleHQ
- 6821 Southpoint Drive N, Jacksonville
Georgia · 1 listed address
- 599 West Crossville Road, Roswell
Contact and registration details
- Legal name
- Mallini Complete Financial Planning LLC
- Headquarters
- 2631 NW 41st Street, Suite E2, Gainesville, FL 32606
- Website
- togetherplanning.com
- Phone
- 352-221-9300
- @together-planning
- SEC file
- 801-123429
- Structure
- Florida LLC
- Fiscal year end
- December
Mallini Complete Financial Planning’s named custodian for separately managed accounts is Charles Schwab ($173M). Mallini Complete Financial Planning has custody of $3.35M for 2 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $173M100%
At year end, Mallini Complete Financial Planning’s separately managed accounts were mostly in funds (85%). Its reported 13F holdings for the quarter ended 31 March 2026 total $126M across 61 positions; the largest are Vanguard Total Stock Market ETF (34.0%), Vanguard Total Bond Market ETF (20.1%) and Vanguard Total International Stock ETF (12.3%).
What the accounts hold
- Stocks9%
- Funds85%
- Bonds2%
- Cash4%
How many clients does Mallini Complete Financial Planning have?
Mallini Complete Financial Planning has 187 clients and manages $176 million for them, as of March 2026. They include 131 individual clients and 56 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026
What services does Mallini Complete Financial Planning offer?
Mallini Complete Financial 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
How much does Mallini Complete Financial Planning charge?
Mallini Complete Financial Planning charges 0.35%–1.25% a year for its Integrated Financial Planning and Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: TOGETHER PLANNING ADV 2A BROCHURE, filed 3 March 2026
Which custodians does Mallini Complete Financial Planning use?
Mallini Complete Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $173M. 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
How many financial advisors does Mallini Complete Financial Planning have?
Mallini Complete Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 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
What does Mallini Complete Financial Planning invest in?
At the end of its last fiscal year, Mallini Complete Financial Planning’s separately managed accounts held 85% registered funds (mutual funds, ETFs, BDCs), 9% exchange-traded equities, 4% cash and equivalents and 2% 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
Who owns Mallini Complete Financial Planning?
Mallini Complete Financial Planning’s direct owners are Lia Bertelson, Virginia Knoll and Judson Mallini, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 3 March 2026
How does Mallini Complete Financial Planning get paid?
Mallini Complete Financial Planning 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
How do I contact Mallini Complete Financial Planning?
Mallini Complete Financial Planning’s main office is at 2631 NW 41st Street, Suite E2, Gainesville, FL 32606. Its phone number is 352-221-9300. Its website is togetherplanning.com.
