{"url":"https://nivawealth.com/firms/planning-solutions-international-300043","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/300043","regulatoryAum":108836692,"crd":"300043","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5445757","suffix":null,"lastName":"PAYNE","firstName":"MARIO","middleName":"JOSEPH"}],"total":1,"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":118770008,"clients":626,"employees":4,"offices":1},{"filedOn":"2022-06-23","regulatoryAum":140000000,"clients":873,"employees":5,"offices":1},{"filedOn":"2023-08-07","regulatoryAum":120000000,"clients":922,"employees":5,"offices":1},{"filedOn":"2024-07-01","regulatoryAum":155000000,"clients":993,"employees":2,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":106000000,"clients":640,"employees":2,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":108836692,"clients":620,"employees":2,"offices":1}],"secFileNumber":"801-120648","legalName":"Planning Solutions International LLC","displayName":"Planning Solutions International","slug":"planning-solutions-international-300043","website":"https://toamsfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://twitter.com/ToamsFinancial","founded":null,"organization":"Florida limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1901 University BLVD W","city":"Jacksonville","state":"FL","stateName":"Florida","country":"United States","postalCode":"32217"},"tradeNames":[],"registration":{"secApproved":"29 March 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":175543.05161290322,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":108836692,"discretionary":108836692,"discretionaryAccounts":1020,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":588,"regulatoryAum":83164739},{"label":"High-net-worth individuals","clients":32,"regulatoryAum":25671953}],"feePrograms":[{"role":"other","program":"Financial Planning Services","summary":"Ongoing financial planning is billed monthly in advance at a monthly fee of up to $30, negotiable. Stand-alone planning fees are negotiable, with up to 50% invoiced before the deliverable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031906","versionId":1031906,"submittedOn":"2026-03-30","documentName":"TOAMS 2026 ANNUAL ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:14:51.218696+00:00","documents":[{"name":"TOAMS 2026 ANNUAL ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031906","versionId":1031906,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":83164739},{"name":"Florida Retirement System","shortName":"Florida Retirement System","location":"Tallahassee, FL","smaAssets":22800000}],"custodyNote":"Planning Solutions International does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Mario Payne","title":"Owner and Chief Compliance Officer","crd":"5445757"}],"ownership":[{"label":"Mario Payne","detail":"Owner and chief compliance officer in the 75% or more ownership band and a control person, since February 2013."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"1901 University BLVD W","city":"Jacksonville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"904-733-5321","stateRegisteredReps":1,"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"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":65},{"label":"Investment grade corporate bonds","percent":15},{"label":"Cash and cash equivalents","percent":20}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/300043/PDF/300043.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031906","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 Planning Solutions International have?","answer":"Planning Solutions International has 620 clients and manages $109 million for them, as of March 2026. They include 588 individual clients and 32 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Planning Solutions International offer?","answer":"Planning Solutions International 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Planning Solutions International use?","answer":"Planning Solutions International’s separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $83.2M and Florida Retirement System (Tallahassee, FL), with $22.8M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Planning Solutions International have?","answer":"Planning Solutions International has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 1 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 Planning Solutions International invest in?","answer":"At the end of its last fiscal year, Planning Solutions International’s separately managed accounts held 65% exchange-traded equities, 20% cash and equivalents and 15% investment grade corporate 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 Planning Solutions International?","answer":"Planning Solutions International’s direct owner is Mario Payne (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Planning Solutions International get paid?","answer":"Planning Solutions International 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 Planning Solutions International?","answer":"Planning Solutions International’s main office is at 1901 University BLVD W, Jacksonville, FL 32217. Its phone number is 904-733-5321. Its website is toamsfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 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."}