{"url":"https://nivawealth.com/firms/s-and-p-financial-139358","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/139358","regulatoryAum":370590050,"crd":"139358","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5240961","suffix":null,"lastName":"PATTERSON","firstName":"CHRISTOPHER","middleName":null},{"crd":"2702144","suffix":null,"lastName":"SMITH","firstName":"CHAD","middleName":"MATTHEW"}],"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":"2021-05-18","regulatoryAum":231496637,"clients":389,"employees":2,"offices":1},{"filedOn":"2022-07-06","regulatoryAum":269075011,"clients":405,"employees":2,"offices":1},{"filedOn":"2023-04-18","regulatoryAum":247797523,"clients":419,"employees":2,"offices":1},{"filedOn":"2024-04-16","regulatoryAum":268430220,"clients":479,"employees":2,"offices":1},{"filedOn":"2025-03-28","regulatoryAum":323601005,"clients":525,"employees":2,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":370590050,"clients":556,"employees":2,"offices":1}],"secFileNumber":"801-66205","legalName":"S & P Financial, Inc.","displayName":"S & P Financial","slug":"s-and-p-financial-139358","website":"https://retirementplanningspecialists.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Oregon corporation","fiscalYearEnd":"December","headquarters":{"street":"241 Maple Street, Suite 101","city":"Ashland","state":"OR","stateName":"Oregon","country":"United States","postalCode":"97520"},"tradeNames":["Retirement Planning Specialists, Inc.","S & P Financial, Inc."],"registration":{"secApproved":"15 February 2006","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":666528.8669064748,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":370590050,"discretionary":370590050,"discretionaryAccounts":1651,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":556},"clientTypes":[{"label":"Individuals (other than HNW)","clients":556,"regulatoryAum":370590050}],"feePrograms":[{"role":"main","program":"Comprehensive Investment Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1039110","versionId":1039110,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-31","documentName":"FORM ADV PART 2 -","fee_rate_low":1,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Stand-Alone Financial Planning Services","summary":"Stand-alone financial planning is billed hourly at $200 to $250 an hour or as a flat fee typically from $1,000 to $2,500, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1039110","versionId":1039110,"submittedOn":"2026-03-31","documentName":"FORM ADV PART 2 -"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:08:03.88922+00:00","documents":[{"name":"FORM ADV PART 2 -","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1039110","versionId":1039110,"submittedOn":"2026-03-31"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":268430220}],"custodyNote":"S & P Financial does not have custody of client assets.","leadership":[{"name":"Chad Smith","title":"Chief Compliance Officer","crd":"2702144"},{"name":"Christopher Patterson","title":"Managing Partner","crd":"5240961"}],"ownership":[{"label":"Chad Smith","detail":"Chief compliance officer in the 50% to 75% ownership band and a control person, since February 2006."},{"label":"Christopher Patterson","detail":"Managing partner in the 50% to 75% ownership band and a control person, since April 2014."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Oregon","offices":1,"addresses":[{"street":"241 Maple Street, Suite 101","city":"Ashland","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"541-482-0138","stateRegisteredReps":0,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":42},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":51},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/139358/PDF/139358.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1039110","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 S & P Financial have?","answer":"S & P Financial has 556 clients and manages $371 million for them, as of March 2026. They include 556 individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does S & P Financial offer?","answer":"S & P Financial 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 S & P Financial charge?","answer":"S & P Financial charges 1.00% a year for its Comprehensive Investment Management Services. The fee is billed in advance, is negotiable and requires an account of at least $250,000.","source":"FORM ADV PART 2 -, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does S & P Financial use?","answer":"S & P Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $268M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does S & P Financial have?","answer":"S & P Financial has 0 investment adviser representatives registered with state securities authorities, out of 2 employees, and 1 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 S & P Financial invest in?","answer":"At the end of its last fiscal year, S & P Financial’s separately managed accounts held 51% registered funds (mutual funds, ETFs, BDCs), 42% exchange-traded equities, 4% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds and 1% 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":"Does S & P Financial have a minimum investment?","answer":"Yes, S & P Financial’s minimum account size for its Comprehensive Investment Management Services is $250K.","source":"FORM ADV PART 2 -, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns S & P Financial?","answer":"S & P Financial’s direct owners are Chad Smith (50% to 75%) and Christopher Patterson (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does S & P Financial get paid?","answer":"S & P Financial is paid through a percentage of assets under management and hourly charges. 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":"Is S & P Financial registered with the SEC?","answer":"Yes, S & P Financial has been registered with the SEC as an investment adviser since 15 February 2006. Its CRD number is 139358 and its SEC file number is 801-66205.","source":"Form ADV Part 1A, Item 1, filed 31 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact S & P Financial?","answer":"S & P Financial’s main office is at 241 Maple Street, Suite 101, Ashland, OR 97520. Its phone number is 541-482-0138. Its website is retirementplanningspecialists.com.","source":"Form ADV Part 1A, Item 1.F, filed 31 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."}