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They include 96 individual clients and 55 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Prism Planning Partners offer?","answer":"Prism Planning Partners provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, insurance, philanthropic planning, retirement plan services, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Prism Planning Partners charge?","answer":"Prism Planning Partners charges 0.50%–1.25% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"PRISM PLANNING PARTNERS FORM ADV PART 2A, filed 2 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Prism Planning Partners use?","answer":"Prism Planning Partners’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $242M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Prism Planning Partners have?","answer":"Prism Planning Partners has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 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 Prism Planning Partners invest in?","answer":"At the end of its last fiscal year, Prism Planning Partners’ separately managed accounts held 47% exchange-traded equities, 43% registered funds (mutual funds, ETFs, BDCs), 5% U.S. government and agency bonds, 3% 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 Prism Planning Partners?","answer":"Prism Planning Partners’ direct owners are Ronald Bernstein (50% to 75%), Nicole Sullivan (25% to 50%) and Daniel Peters (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Prism Planning Partners get paid?","answer":"Prism Planning Partners 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 Prism Planning Partners?","answer":"Prism Planning Partners’ main office is at 321 S. Milwaukee Avenue, Libertyville, IL 60048. Its phone number is 847-250-9870. Its website is prismplanningpartners.com.","source":"Form ADV Part 1A, Item 1.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/prism-planning-partners-290485/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-23","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2110534/000211053426000003/0002110534-26-000003-index.html","totalValue":94482080,"positionCount":35,"top10Share":0.8572642240729671,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":28632708,"shares":174303,"shareType":"SH","priorValue":24072702,"priorShares":169014},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI INTL","cusip":"46435G326","value":11369071,"shares":127728,"shareType":"SH","priorValue":10330500,"priorShares":123615},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INTER TERM 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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."}