{"url":"https://nivawealth.com/firms/planwiser-financial-331675","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/331675","regulatoryAum":169144727,"crd":"331675","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4767613","suffix":null,"lastName":"LINGO","firstName":"LINDSAY","middleName":"RENEE"},{"crd":"6834460","suffix":"II","lastName":"Mulzer","firstName":"James","middleName":"Edward"},{"crd":"4870706","suffix":null,"lastName":"Top","firstName":"Joel","middleName":"Robert"}],"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":"2025-04-08","regulatoryAum":134106066,"clients":199,"employees":5,"offices":1},{"filedOn":"2026-10-01","regulatoryAum":169144727,"clients":224,"employees":6,"offices":1}],"secFileNumber":"801-130873","legalName":"Planwiser Financial, LLC","displayName":"PlanWiser Financial","slug":"planwiser-financial-331675","website":"https://planwiser.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/331675/ad6ba83492076058-r1.webp","tone":"light","width":886,"height":200,"sourceUrl":"https://www.planwiser.com/","sourceLabel":"Planwiser Financial, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/planwiser-colorado/","founded":null,"organization":"Colorado limited liability company","fiscalYearEnd":"December","headquarters":{"street":"3710 Sinton Road, Suite 100","city":"Colorado Springs","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80907"},"tradeNames":[],"registration":{"secApproved":"5 August 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":717284.4644549763,"staff":{"employees":6,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":169144727,"discretionary":157758619,"discretionaryAccounts":878,"nonDiscretionary":11386108,"nonDiscretionaryAccounts":9,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":4},"clientTypes":[{"label":"Individuals (other than HNW)","clients":164,"regulatoryAum":73395262},{"label":"High-net-worth individuals","clients":47,"regulatoryAum":77951760},{"label":"Pension and profit-sharing plans","clients":9,"regulatoryAum":11386108},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":6411597}],"feePrograms":[{"role":"main","program":"Investment Management Fee","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057156","versionId":1057156,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-09-04","documentName":"PART 2A BROCHURE","fee_rate_low":null,"fee_rate_high":1.3,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":2100},{"role":"other","program":"Financial Planning","summary":"Stand-alone financial planning is billed hourly at a mutually agreed fee not to exceed $400 per hour, negotiable; advisory clients have it included in their advisory fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057156","versionId":1057156,"submittedOn":"2026-09-04","documentName":"PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:46:25.414844+00:00","documents":[{"name":"PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057156","versionId":1057156,"submittedOn":"2026-09-04"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":144815357}],"custodyNote":"PlanWiser Financial has custody of $27.9M for 93 clients.","otherCustodians":[],"leadership":[{"name":"Joel Top","title":"President","crd":"4870706"},{"name":"Lindsay Lingo","title":"Chief Compliance Officer","crd":"4767613"}],"ownership":[{"label":"Joel Top","detail":"President in the 75% or more ownership band and a control person, since February 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"3710 Sinton Road, Suite 100","city":"Colorado Springs","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"719-822-0808","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","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":90},{"label":"Cash and cash equivalents","percent":2},{"label":"Other","percent":3,"detail":"Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"1 October 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/331675/PDF/331675.pdf","brochureDate":"4 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057156","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 PlanWiser Financial have?","answer":"PlanWiser Financial has 224 clients and manages $169 million for them, as of October 2026. They include 164 individual clients, 47 high-net-worth individuals, and 9 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does PlanWiser Financial offer?","answer":"PlanWiser Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.","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 PlanWiser Financial charge?","answer":"PlanWiser Financial charges up to 1.30% a year for its Investment Management Fee. The fee is billed in advance, is negotiable and has a $2,100 annual minimum.","source":"PART 2A BROCHURE, filed 4 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does PlanWiser Financial use?","answer":"PlanWiser Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $145M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does PlanWiser Financial have?","answer":"PlanWiser Financial 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 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 PlanWiser Financial invest in?","answer":"At the end of its last fiscal year, PlanWiser Financial’s separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities, 3% other, 2% cash and equivalents and 1% non-exchange-traded equities. The 3% other category is described as: Annuities.","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 PlanWiser Financial?","answer":"PlanWiser Financial’s direct owner is Joel Top (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 1 October 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does PlanWiser Financial get paid?","answer":"PlanWiser Financial 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":"How do I contact PlanWiser Financial?","answer":"PlanWiser Financial’s main office is at 3710 Sinton Road, Suite 100, Colorado Springs, CO 80907. 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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."}