{"url":"https://nivawealth.com/firms/sanctuary-financial-planning-325857","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/325857","regulatoryAum":102173006,"crd":"325857","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1785950","suffix":null,"lastName":"CHARLES","firstName":"JAMES","middleName":"GREGORY"},{"crd":"5461219","suffix":null,"lastName":"CHARLES","firstName":"SARAH","middleName":"KARP"},{"crd":"8094622","suffix":null,"lastName":"Mathews","firstName":"Alex","middleName":"Joseph"}],"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"},"secFileNumber":"801-136364","legalName":"Sanctuary Financial Planning, LLC","displayName":"Sanctuary Financial 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2A/2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T17:28:17.378497+00:00","documents":[{"name":"ADV PART 2A/2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049335","versionId":1049335,"submittedOn":"2026-06-24"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":102173006}],"custodyNote":"Sanctuary Financial Planning has custody of $81.4M for 11 clients.","otherCustodians":[],"leadership":[{"name":"James Charles","title":"Founder, Managing Member, CCO","crd":"1785950"},{"name":"Sarah Charles","title":"Founder & Managing Member","crd":"5461219"}],"ownership":[{"label":"James Charles","detail":"Founder, managing member, cco in the 50% to 75% ownership band and a control person, since March 2023."},{"label":"Sarah Charles","detail":"Founder & managing member in the 50% to 75% ownership band and a control person, since June 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"704-705-8773","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Other"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":14},{"label":"U.S. government/agency bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":83},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"10 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/325857/PDF/325857.pdf","brochureDate":"24 June 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1049335","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 Sanctuary Financial Planning have?","answer":"Sanctuary Financial Planning has 44 clients and manages $102 million for them, as of September 2026. They include 36 high-net-worth individuals and 8 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 10 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Sanctuary Financial Planning offer?","answer":"Sanctuary Financial Planning 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":"Which custodians does Sanctuary Financial Planning use?","answer":"Sanctuary Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $102M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Sanctuary Financial Planning have?","answer":"Sanctuary Financial Planning has 3 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 Sanctuary Financial Planning invest in?","answer":"At the end of its last fiscal year, Sanctuary Financial Planning’s separately managed accounts held 83% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 2% U.S. government and agency bonds and 1% 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 Sanctuary Financial Planning?","answer":"Sanctuary Financial Planning’s direct owners are James Charles (50% to 75%) and Sarah Charles (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 10 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Sanctuary Financial Planning get paid?","answer":"Sanctuary Financial Planning is paid through 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 Sanctuary Financial Planning?","answer":"Its phone number is 704-705-8773. Its website is sanctuaryfinancialplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 10 September 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."}