{"url":"https://nivawealth.com/firms/the-perspective-group-175294","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/175294","regulatoryAum":225078095,"crd":"175294","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6224158","suffix":null,"lastName":"HALTON","firstName":"GARRETT","middleName":"L"},{"crd":"4826768","suffix":null,"lastName":"LANE","firstName":"STEPHEN","middleName":"CHRISTOPHER"}],"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":"2021-02-25","regulatoryAum":115579363,"clients":230,"employees":5,"offices":1},{"filedOn":"2022-07-21","regulatoryAum":150733663,"clients":324,"employees":5,"offices":1},{"filedOn":"2023-07-13","regulatoryAum":133972661,"clients":286,"employees":5,"offices":1},{"filedOn":"2024-03-16","regulatoryAum":178198197,"clients":296,"employees":5,"offices":1},{"filedOn":"2025-04-15","regulatoryAum":173993924,"clients":307,"employees":5,"offices":1},{"filedOn":"2026-07-20","regulatoryAum":225078095,"clients":297,"employees":5,"offices":1}],"secFileNumber":"801-119555","legalName":"The Perspective Group, LLC","displayName":"The Perspective Group","slug":"the-perspective-group-175294","website":"https://theperspectivegroup.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/175294/31c188ef495b345e-r1.webp","tone":"light","width":486,"height":200,"sourceUrl":"https://theperspectivegroup.com/","sourceLabel":"The Perspective Group, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://x.com/PerspectiveRIA","founded":"2004","organization":"Kansas limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1421 Research Park Drive, Suite 3a","city":"Lawrence","state":"KS","stateName":"Kansas","country":"United States","postalCode":"66044"},"tradeNames":[],"registration":{"secApproved":"6 October 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":755743.9457627118,"staff":{"employees":5,"advisory":2,"brokerDealerReps":2,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":225078095,"discretionary":225078095,"discretionaryAccounts":554,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":197461111,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":190,"regulatoryAum":77008883},{"label":"High-net-worth individuals","clients":105,"regulatoryAum":145935581},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":1469403},{"label":"Corporations and other businesses","clients":1,"fewerThan5":true,"regulatoryAum":664228}],"feePrograms":[{"role":"other","program":"Hourly and flat-fee consulting","summary":"Consulting is billed hourly, generally $250 to $325 an hour and may exceed $325, or as a flat fee generally from $500 to $5,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052343","versionId":1052343,"submittedOn":"2026-07-20","documentName":"THE PERSPECTIVE GROUP - ADV 2A"},{"role":"other","program":"Retirement plan consulting","summary":"Plan consulting fees follow a schedule on plan assets, from 0.75% on the first $250,000 down to 0.17% on assets of $20,000,000 and higher.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052343","versionId":1052343,"submittedOn":"2026-07-20","documentName":"THE PERSPECTIVE GROUP - ADV 2A"},{"role":"other","program":"Tax preparation","summary":"Tax preparation is offered through a separate business, from $300 for a personal return to $750 for an LLC taxed as an S corporation, with an estimate in advance if the total may exceed the starting amount.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052343","versionId":1052343,"submittedOn":"2026-07-20","documentName":"THE PERSPECTIVE GROUP - ADV 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T15:09:30.185788+00:00","documents":[{"name":"THE PERSPECTIVE GROUP - ADV 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052343","versionId":1052343,"submittedOn":"2026-07-20"}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Boston, MA","smaAssets":173993925},{"name":"Lincoln Financial Distributors, Inc.","shortName":"Lincoln Financial Distributors","location":"Radnor, PA","smaAssets":19128561}],"custodyNote":"The Perspective Group does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Stephen Lane","title":"President / Chief Compliance Officer","crd":"4826768"},{"name":"Garrett Halton","title":"Member","crd":"6224158"}],"ownership":[{"label":"Stephen Lane","detail":"President / chief compliance officer in the 75% or more ownership band and a control person, since May 2012."},{"label":"Garrett Halton","detail":"Member in the 5% to 10% ownership band, since July 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Kansas","offices":1,"addresses":[{"street":"1421 Research Park Drive, Suite 3a","city":"Lawrence","headquarters":true}]}],"brochureServices":["business succession planning","education planning","estate planning","insurance","tax planning","tax preparation"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"785-749-1881","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":26},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":2},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":68},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"20 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/175294/PDF/175294.pdf","brochureDate":"20 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052343","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 The Perspective Group have?","answer":"The Perspective Group has 297 clients and manages $225 million for them, as of July 2026. They include 190 individual clients, 105 high-net-worth individuals and 1 charitable organization.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does The Perspective Group offer?","answer":"The Perspective Group provides financial planning, portfolio management for individuals and small businesses, pension consulting, business succession planning, education planning, estate planning, insurance, tax planning, and tax preparation.","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":"Which custodians does The Perspective Group use?","answer":"The Perspective Group’s separately managed account assets are held at LPL Financial LLC (Boston, MA), with $174M and Lincoln Financial Distributors, Inc. (Radnor, PA), with $19.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does The Perspective Group have?","answer":"The Perspective Group has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. 2 employees are registered representatives of a broker-dealer and 2 employees are 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 The Perspective Group invest in?","answer":"At the end of its last fiscal year, The Perspective Group’s separately managed accounts held 68% registered funds (mutual funds, ETFs, BDCs), 26% exchange-traded equities, 3% cash and equivalents, 2% U.S. government and agency bonds, 2% investment grade corporate bonds, 1% state and local bonds and 1% high-yield 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":"Who owns The Perspective Group?","answer":"The Perspective Group’s direct owners are Stephen Lane (75% or more) and Garrett Halton (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 20 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does The Perspective Group get paid?","answer":"The Perspective Group 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 The Perspective Group?","answer":"The Perspective Group’s main office is at 1421 Research Park Drive, Suite 3a, Lawrence, KS 66044. Its phone number is 785-749-1881. Its website is theperspectivegroup.com.","source":"Form ADV Part 1A, Item 1.F, filed 20 July 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."}