{"url":"https://nivawealth.com/firms/point-b-planning-172961","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/172961","regulatoryAum":113875858,"crd":"172961","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4707220","suffix":null,"lastName":"REBORI","firstName":"RICHARD","middleName":"TODD"},{"crd":"2963123","suffix":null,"lastName":"TOM","firstName":"MICHAEL","middleName":null}],"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":"2021-03-31","regulatoryAum":49646203,"clients":62,"employees":3,"offices":1},{"filedOn":"2022-03-30","regulatoryAum":61420781,"clients":73,"employees":3,"offices":1},{"filedOn":"2023-03-30","regulatoryAum":58182885,"clients":79,"employees":3,"offices":1},{"filedOn":"2024-03-29","regulatoryAum":73658409,"clients":84,"employees":3,"offices":1},{"filedOn":"2025-03-27","regulatoryAum":87534158,"clients":90,"employees":3,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":113875858,"clients":97,"employees":3,"offices":1}],"secFileNumber":"801-118588","legalName":"Point B Planning, LLC","displayName":"Point B Planning","slug":"point-b-planning-172961","website":"https://atwob.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"New York limited liability company","fiscalYearEnd":"December","headquarters":{"street":"23 Parkway, 2nd Floor","city":"Katonah","state":"NY","stateName":"New York","country":"United States","postalCode":"10536"},"tradeNames":[],"registration":{"secApproved":"30 April 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1055056.4845360825,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":113875858,"discretionary":90312991,"discretionaryAccounts":267,"nonDiscretionary":23562867,"nonDiscretionaryAccounts":8,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":71,"regulatoryAum":26041256},{"label":"High-net-worth individuals","clients":26,"regulatoryAum":76299223},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":8317165},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":3218214}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.85,"from":1000000},{"to":null,"pct":0.65,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030758","versionId":1030758,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-30","documentName":"ATWOB DISCLOSURE BROCHURE - FORM ADV PART 2A & 2B & PRIVACY POLICY_ MARCH 26 2026","fee_rate_low":0.65,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Services","summary":"Hourly at $200, or a fixed fee of $500 to $5,000; ongoing planning support is a fixed annual fee of $900 to $5,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030758","versionId":1030758,"submittedOn":"2026-03-30","documentName":"ATWOB DISCLOSURE BROCHURE - FORM ADV PART 2A & 2B & PRIVACY POLICY_ MARCH 26 2026"},{"role":"other","program":"Retirement Plan Advisory Services","summary":"Blended schedule from 0.60% on the first $1,000,000 down to 0.25% above $10,000,000, with a $300 quarterly minimum.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030758","versionId":1030758,"submittedOn":"2026-03-30","documentName":"ATWOB DISCLOSURE BROCHURE - FORM ADV PART 2A & 2B & PRIVACY POLICY_ MARCH 26 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:02:12.930775+00:00","documents":[{"name":"ATWOB DISCLOSURE BROCHURE - FORM ADV PART 2A & 2B & PRIVACY POLICY_ MARCH 26 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030758","versionId":1030758,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":24210024}],"custodyNote":"Point B Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Jeffrey Wund","title":"Principal and Chief Compliance Officer","crd":"3265536"},{"name":"Richard Rebori","title":"Principal","crd":"4707220"},{"name":"Michael Tom","title":"Principal","crd":"2963123"}],"ownership":[{"label":"Richard Rebori","detail":"Principal in the 25% to 50% ownership band and a control person, since August 2014."},{"label":"Michael Tom","detail":"Principal in the 25% to 50% ownership band and a control person, since June 2015."},{"label":"Jeffrey Wund","detail":"Principal and chief compliance officer in the 25% to 50% ownership band and a control person, since April 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New York","offices":1,"addresses":[{"street":"23 Parkway, 2nd Floor","city":"Katonah","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"914-302-3233","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","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"U.S. state and local bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":85},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/172961/PDF/172961.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1030758","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 Point B Planning have?","answer":"Point B Planning has 97 clients and manages $114 million for them, as of March 2026. They include 71 individual clients and 26 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 Point B Planning offer?","answer":"Point B Planning provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.","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 Point B Planning charge?","answer":"Point B Planning charges 0.65%–1.00% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in arrears.","source":"ATWOB DISCLOSURE BROCHURE - FORM ADV PART 2A & 2B & PRIVACY POLICY_ MARCH 26 2026, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Point B Planning use?","answer":"Point B Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $24.2M. 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 Point B Planning have?","answer":"Point B Planning has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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 Point B Planning invest in?","answer":"At the end of its last fiscal year, Point B Planning’s separately managed accounts held 85% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 2% state and local bonds and 2% 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 Point B Planning?","answer":"Point B Planning’s direct owners are Richard Rebori, Michael Tom and Jeffrey Wund, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Point B Planning get paid?","answer":"Point B 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Point B Planning?","answer":"Point B Planning’s main office is at 23 Parkway, 2nd Floor, Katonah, NY 10536. Its phone number is 914-302-3233. Its website is atwob.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."}