{"url":"https://nivawealth.com/firms/secure-planning-42179","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/42179","regulatoryAum":187014564,"crd":"42179","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2979629","suffix":null,"lastName":"DUGAN","firstName":"LISA","middleName":"ANNE"},{"crd":"4602403","suffix":null,"lastName":"FINN","firstName":"JUSTIN","middleName":"DALE"},{"crd":"317980","suffix":"JR","lastName":"MALLON","firstName":"EDWARD","middleName":"JOHN"},{"crd":"4751604","suffix":null,"lastName":"SMITH","firstName":"JULIANNE","middleName":"MARY"}],"total":4,"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":"2021-03-04","regulatoryAum":161054584,"clients":440,"employees":6,"offices":2},{"filedOn":"2022-02-17","regulatoryAum":176668505,"clients":468,"employees":6,"offices":2},{"filedOn":"2023-03-01","regulatoryAum":152269192,"clients":927,"employees":6,"offices":2},{"filedOn":"2024-07-30","regulatoryAum":163149923,"clients":527,"employees":6,"offices":2},{"filedOn":"2025-01-29","regulatoryAum":169334279,"clients":515,"employees":6,"offices":2},{"filedOn":"2026-05-06","regulatoryAum":187014564,"clients":529,"employees":5,"offices":2}],"secFileNumber":"801-55630","legalName":"Secure Planning, LLC","displayName":"Secure Planning","slug":"secure-planning-42179","website":"https://secureplanning.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/27217615/","founded":null,"organization":"New Hampshire limited liability company","fiscalYearEnd":"December","headquarters":{"street":"42 Middle St","city":"Portsmouth","state":"NH","stateName":"New Hampshire","country":"United States","postalCode":"03801"},"tradeNames":["Finn Wealth Advisors"],"registration":{"secApproved":"19 June 1998","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":353524.6956521739,"staff":{"employees":5,"advisory":3,"brokerDealerReps":5,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":187014564,"discretionary":187014564,"discretionaryAccounts":846,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":510,"regulatoryAum":122654530},{"label":"High-net-worth individuals","clients":19,"regulatoryAum":64360034}],"feePrograms":[{"role":"main","program":"Asset Management Fees","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.5,"from":0},{"to":1000000,"pct":1,"from":500000},{"to":2000000,"pct":0.85,"from":1000000},{"to":5000000,"pct":0.75,"from":2000000},{"to":7000000,"pct":0.65,"from":5000000},{"to":null,"pct":0.55,"from":7000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027583","versionId":1027583,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-26","documentName":"SECURE PLANNING, LLC ADV DISCLOSURE BROCHURE","fee_rate_low":0.55,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is billed at a negotiable hourly fee of $150 to $500, paid in advance; a fixed fee may be negotiated.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027583","versionId":1027583,"submittedOn":"2026-03-26","documentName":"SECURE PLANNING, LLC ADV DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:42:08.67002+00:00","documents":[{"name":"SECURE PLANNING, LLC ADV DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027583","versionId":1027583,"submittedOn":"2026-03-26"}]},"custodians":[{"name":"SEI Investments Distribution Co.","shortName":"SEI Investments Distribution","location":"Oaks, PA","smaAssets":161635458},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":25379106}],"custodyNote":"Secure Planning does not have custody of client assets.","leadership":[{"name":"Edward John Jr Mallon","title":"President/Trustee","crd":"317980"},{"name":"Julianne Mary Smith","title":"Chief Compliance Officer","crd":"4751604"},{"name":"Lisa Anne Dugan","title":"Executive Officer","crd":"2979629"},{"name":"Karen Marie Gendron","title":"FINOP","crd":"1503330"}],"ownership":[{"label":"Edward J. Mallon Revocable Trust, Edward J Mallon Trustee","detail":"Owner in the 75% or more ownership band and a control person, since October 1990."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"New Hampshire","offices":2,"addresses":[{"street":"42 Middle St","city":"Portsmouth","headquarters":true},{"street":"23 High Street","city":"Portsmouth"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"603-433-5515","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Commissions"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":86},{"label":"Cash and cash equivalents","percent":14}],"privateFunds":0},"sources":{"adv1FilingDate":"6 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/42179/PDF/42179.pdf","brochureDate":"26 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027583","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 Secure Planning have?","answer":"Secure Planning has 529 clients and manages $187 million for them, as of May 2026. They include 510 individual clients and 19 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Secure Planning offer?","answer":"Secure 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":"How much does Secure Planning charge?","answer":"Secure Planning charges 0.55%–1.50% a year for its Asset Management Fees. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.","source":"SECURE PLANNING, LLC ADV DISCLOSURE BROCHURE, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Secure Planning use?","answer":"Secure Planning’s separately managed account assets are held at SEI Investments Distribution Co. (Oaks, PA), with $162M and Charles Schwab & Co., Inc. (Westlake, TX), with $25.4M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Secure Planning have?","answer":"Secure Planning has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Secure Planning invest in?","answer":"At the end of its last fiscal year, Secure Planning’s separately managed accounts held 86% registered funds (mutual funds, ETFs, BDCs) and 14% 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 Secure Planning?","answer":"Secure Planning’s direct owner is Edward J. Mallon Revocable Trust, Edward J Mallon Trustee (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Secure Planning get paid?","answer":"Secure Planning is paid through a percentage of assets under management, hourly charges, fixed fees and commissions. Its Form ADV lists no 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 Secure Planning registered with the SEC?","answer":"Yes, Secure Planning has been registered with the SEC as an investment adviser since 19 June 1998. Its CRD number is 42179 and its SEC file number is 801-55630.","source":"Form ADV Part 1A, Item 1, filed 6 May 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Secure Planning?","answer":"Secure Planning’s main office is at 42 Middle St, Portsmouth, NH 03801. Its phone number is 603-433-5515. Its website is secureplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 6 May 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."}