{"url":"https://nivawealth.com/firms/networth-financial-services-126666","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/126666","regulatoryAum":128126491,"crd":"126666","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"3067955","suffix":null,"lastName":"Curl","firstName":"Reagan","middleName":null},{"crd":"4581235","suffix":null,"lastName":"OSTAPOWER","firstName":"ROBERT","middleName":"JOSEPH"}],"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":"2025-04-25","regulatoryAum":121815000,"clients":105,"employees":5,"offices":1},{"filedOn":"2026-03-09","regulatoryAum":128126491,"clients":107,"employees":5,"offices":1}],"secFileNumber":"801-132858","legalName":"Networth Financial Services, LLC","displayName":"NetWorth Financial Services","slug":"networth-financial-services-126666","website":"https://networthfs.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Georgia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"11255 Parsons Road, Suite 200","city":"Johns Creek","state":"GA","stateName":"Georgia","country":"United States","postalCode":"30097"},"tradeNames":[],"registration":{"secApproved":"27 May 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1197443.8411214952,"staff":{"employees":5,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":128126491,"discretionary":128126491,"discretionaryAccounts":335,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":2},"clientTypes":[{"label":"Individuals (other than HNW)","clients":65,"regulatoryAum":37156567},{"label":"High-net-worth individuals","clients":42,"regulatoryAum":90969924}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016094","versionId":1016094,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-09","documentName":"NETWORTH FINANCIAL SERVICES BROCHURE & SUPPLEMENTS","fee_rate_low":0.6,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and consulting","summary":"Standalone financial planning and consulting is a fixed fee of $2,500 to $15,000 depending on time and complexity.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016094","versionId":1016094,"submittedOn":"2026-03-09","documentName":"NETWORTH FINANCIAL SERVICES BROCHURE & SUPPLEMENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:51:58.72096+00:00","documents":[{"name":"NETWORTH FINANCIAL SERVICES BROCHURE & SUPPLEMENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016094","versionId":1016094,"submittedOn":"2026-03-09"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":128126091}],"custodyNote":"NetWorth Financial Services does not have custody of client assets.","leadership":[{"name":"Reagan Curl","title":"President & Chief Compliance Officer","crd":"3067955"}],"ownership":[{"label":"Reagan Curl","detail":"President & chief compliance officer in the 75% or more ownership band and a control person, since August 2016."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"11255 Parsons Road, Suite 200","city":"Johns Creek","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"678-319-0111","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","Portfolio management for businesses (other than small businesses) or institutional clients"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":14},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":82},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"9 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/126666/PDF/126666.pdf","brochureDate":"9 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1016094","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 NetWorth Financial Services have?","answer":"NetWorth Financial Services has 107 clients and manages $128 million for them, as of March 2026. They include 65 individual clients and 42 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does NetWorth Financial Services offer?","answer":"NetWorth Financial Services provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does NetWorth Financial Services charge?","answer":"NetWorth Financial Services charges 0.60%–1.50% a year for its Portfolio Management Services. The fee is billed in advance and is negotiable.","source":"NETWORTH FINANCIAL SERVICES BROCHURE & SUPPLEMENTS, filed 9 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does NetWorth Financial Services use?","answer":"NetWorth Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $128M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does NetWorth Financial Services have?","answer":"NetWorth Financial Services has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 NetWorth Financial Services invest in?","answer":"At the end of its last fiscal year, NetWorth Financial Services’ separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% 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 NetWorth Financial Services?","answer":"NetWorth Financial Services’ direct owner is Reagan Curl (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 9 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does NetWorth Financial Services get paid?","answer":"NetWorth Financial Services 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":"Is NetWorth Financial Services registered with the SEC?","answer":"Yes, NetWorth Financial Services has been registered with the SEC as an investment adviser since 27 May 2025. Its CRD number is 126666 and its SEC file number is 801-132858.","source":"Form ADV Part 1A, Item 1, filed 9 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact NetWorth Financial Services?","answer":"NetWorth Financial Services’ main office is at 11255 Parsons Road, Suite 200, Johns Creek, GA 30097. Its phone number is 678-319-0111. Its website is networthfs.com.","source":"Form ADV Part 1A, Item 1.F, filed 9 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."}