{"url":"https://nivawealth.com/firms/pointer-financial-advisors-326745","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/326745","regulatoryAum":176396108,"crd":"326745","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2521026","suffix":null,"lastName":"MUDD","firstName":"TIMOTHY","middleName":"NICHOLAS"}],"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":"2023-06-22","regulatoryAum":0,"clients":0,"employees":1,"offices":1},{"filedOn":"2024-03-21","regulatoryAum":111879752,"clients":136,"employees":4,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":139443362,"clients":148,"employees":4,"offices":1},{"filedOn":"2026-03-25","regulatoryAum":176396108,"clients":160,"employees":5,"offices":1}],"secFileNumber":"801-128061","legalName":"Pointer Financial Advisors LLC","displayName":"Pointer Financial 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executive officer, chief investment officer & chief compliance officer, principal in the 75% or more ownership band and a control person, since June 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Maryland","offices":1,"addresses":[{"street":"10500 Little Patuxent Parkway, Suite 460","city":"Columbia","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"301-804-0250","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":51},{"label":"U.S. state and local bonds","percent":4},{"label":"Investment grade corporate bonds","percent":23},{"label":"Non-investment grade corporate bonds","percent":7},{"label":"Securities issued by registered investment companies or business development companies","percent":7},{"label":"Cash and cash equivalents","percent":8}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/326745/PDF/326745.pdf","brochureDate":"25 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1026076","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 Pointer Financial Advisors have?","answer":"Pointer Financial Advisors has 160 clients and manages $176 million for them, as of March 2026. They include 96 individual clients, 61 high-net-worth individuals and 3 other clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Pointer Financial Advisors offer?","answer":"Pointer Financial Advisors 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":"How much does Pointer Financial Advisors charge?","answer":"Pointer Financial Advisors charges up to 1.25% a year for its Advisory Fees. The fee is billed in advance and is negotiable.","source":"POINTER FINANCIAL ADVISORS LLC FORM ADV PART 2A DISCLOSURE BROCHURE (MARCH 2026), filed 25 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Pointer Financial Advisors use?","answer":"Pointer Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $176M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Pointer Financial Advisors have?","answer":"Pointer Financial Advisors has 2 investment adviser representatives registered with state securities authorities, out of 5 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 Pointer Financial Advisors invest in?","answer":"At the end of its last fiscal year, Pointer Financial Advisors’ separately managed accounts held 51% exchange-traded equities, 23% investment grade corporate bonds, 8% cash and equivalents, 7% high-yield corporate bonds, 7% registered funds (mutual funds, ETFs, BDCs) and 4% state and local 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 Pointer Financial Advisors?","answer":"Pointer Financial Advisors’ direct owner is Timothy Mudd (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Pointer Financial Advisors get paid?","answer":"Pointer Financial Advisors is paid through a percentage of assets under management. 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 Pointer Financial Advisors?","answer":"Pointer Financial Advisors’ main office is at 10500 Little Patuxent Parkway, Suite 460, Columbia, MD 21044. Its phone number is 301-804-0250. Its website is pointeradvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 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."}