{"url":"https://nivawealth.com/firms/plan-first-wealth-289185","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/289185","regulatoryAum":140315313,"crd":"289185","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6611274","suffix":null,"lastName":"BOYLE","firstName":"JAMES","middleName":"EDWARD"},{"crd":"4828247","suffix":null,"lastName":"KERN","firstName":"MARTHA","middleName":"SARAH"},{"crd":"6474262","suffix":null,"lastName":"TAYLOR","firstName":"RICHARD","middleName":"CHRISTOPHER"}],"total":3,"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":"2021-06-30","regulatoryAum":100118658,"clients":91,"employees":4,"offices":4},{"filedOn":"2022-07-21","regulatoryAum":131436862,"clients":110,"employees":5,"offices":5},{"filedOn":"2023-07-26","regulatoryAum":114413521,"clients":113,"employees":5,"offices":5},{"filedOn":"2024-07-10","regulatoryAum":124891815,"clients":111,"employees":3,"offices":3},{"filedOn":"2025-04-23","regulatoryAum":120370038,"clients":100,"employees":3,"offices":3},{"filedOn":"2026-05-13","regulatoryAum":140315313,"clients":96,"employees":3,"offices":3}],"secFileNumber":"801-114931","legalName":"Plan First Wealth LLC","displayName":"Plan First Wealth","slug":"plan-first-wealth-289185","website":"https://planfirstwealth.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/289185/e4e46320671eb2df-r1.webp","tone":"dark","width":1100,"height":200,"sourceUrl":"https://planfirstwealth.com/","sourceLabel":"Plan First Wealth LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/plan-first-wealth","founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"1 April 2019","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1461617.84375,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":140315313,"discretionary":102372075,"discretionaryAccounts":166,"nonDiscretionary":37943238,"nonDiscretionaryAccounts":38,"wrapProgram":69106556,"nonUsClientsPct":5,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":32,"regulatoryAum":17477768},{"label":"High-net-worth individuals","clients":64,"regulatoryAum":122837545}],"feePrograms":[{"role":"other","program":"Initial financial planning","summary":"The initial upfront financial planning fee is typically $2,999, with a maximum of $10,000; ongoing planning is free for clients with at least $1,000,000 under management.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044914","versionId":1044914,"submittedOn":"2026-05-13","documentName":"ADV PART 2A - PLAN FIRST WEALTH LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T15:50:45.484326+00:00","documents":[{"name":"ADV PART 2A - PLAN FIRST WEALTH LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044914","versionId":1044914,"submittedOn":"2026-05-13"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010078","versionId":1010078,"submittedOn":null}]},"custodians":[{"name":"Novia Global LTD","shortName":"Novia Global","location":"Bath","smaAssets":38287373},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":14526125},{"name":"Betterment Securities","shortName":"Betterment Securities","location":"New York, NY","smaAssets":69106556}],"custodyNote":"Plan First Wealth does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Richard Taylor","title":"Managing Member & Chief Executive Officer","crd":"6474262"},{"name":"Martha Kern","title":"Chief Compliance Officer","crd":"4828247"}],"ownership":[{"label":"Richard Taylor","detail":"Managing member & chief executive officer in the 75% or more ownership band and a control person, since April 2017."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":2},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"646-201-4865","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Publication of periodicals or newsletters","Educational seminars/workshops"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":88},{"label":"Cash and cash equivalents","percent":9}],"privateFunds":0},"sources":{"adv1FilingDate":"13 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/289185/PDF/289185.pdf","brochureDate":"13 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044914","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 Plan First Wealth have?","answer":"Plan First Wealth has 96 clients and manages $140 million for them, as of May 2026. They include 64 high-net-worth individuals and 32 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Plan First Wealth offer?","answer":"Plan First Wealth provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, and educational seminars.","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 Plan First Wealth use?","answer":"Plan First Wealth’s separately managed account assets are held at Betterment Securities (New York, NY), with $69.1M, Novia Global LTD (Bath), with $38.3M and Charles Schwab & Co., Inc. (Westlake, TX), with $14.5M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Plan First Wealth have?","answer":"Plan First Wealth has 3 investment adviser representatives registered with state securities authorities, out of 3 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Plan First Wealth invest in?","answer":"At the end of its last fiscal year, Plan First Wealth’s separately managed accounts held 88% registered funds (mutual funds, ETFs, BDCs), 9% cash and equivalents, 2% exchange-traded equities 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 Plan First Wealth?","answer":"Plan First Wealth’s direct owner is Richard Taylor (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 13 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Plan First Wealth get paid?","answer":"Plan First Wealth is paid through a percentage of assets under management 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":"How do I contact Plan First Wealth?","answer":"Its phone number is 646-201-4865. Its website is planfirstwealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 13 May 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."}