{"url":"https://nivawealth.com/firms/the-professional-financial-286419","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/286419","regulatoryAum":246055621,"crd":"286419","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8249225","suffix":null,"lastName":"Gividen","firstName":"Ethan","middleName":"Reeves"},{"crd":"5844796","suffix":null,"lastName":"MILLER","firstName":"WILLIAM","middleName":"BRUCE"},{"crd":"7928579","suffix":null,"lastName":"WONNACOTT","firstName":"LUKE","middleName":"MERRELL"}],"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"},"history":[{"filedOn":"2021-03-30","regulatoryAum":187191264,"clients":197,"employees":5,"offices":1},{"filedOn":"2022-03-31","regulatoryAum":197253782,"clients":331,"employees":3,"offices":1},{"filedOn":"2023-03-31","regulatoryAum":265313170,"clients":240,"employees":5,"offices":1},{"filedOn":"2024-06-21","regulatoryAum":206183702,"clients":252,"employees":6,"offices":1},{"filedOn":"2025-03-31","regulatoryAum":361064134,"clients":245,"employees":6,"offices":1},{"filedOn":"2026-03-24","regulatoryAum":246055621,"clients":285,"employees":7,"offices":1}],"secFileNumber":"801-114491","legalName":"The Professional Financial Company LLC","displayName":"The Professional Financial","slug":"the-professional-financial-286419","website":"https://thepfc.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2015","organization":"Utah limited liability company","fiscalYearEnd":"December","headquarters":{"street":"384 W Center St","city":"Orem","state":"UT","stateName":"Utah","country":"United States","postalCode":"84057"},"tradeNames":[],"registration":{"secApproved":"28 January 2019","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":814970.768627451,"staff":{"employees":7,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":246055621,"discretionary":246055621,"discretionaryAccounts":575,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":184,"regulatoryAum":38805169},{"label":"High-net-worth individuals","clients":71,"regulatoryAum":169012377},{"label":"Charitable organizations","clients":7,"regulatoryAum":26045036},{"label":"Corporations and other businesses","clients":1,"regulatoryAum":107298},{"label":"Other","clients":22,"regulatoryAum":12085741}],"feePrograms":[{"role":"main","program":"Portfolio Management Fees","feeBasis":"marginal","fee_tiers":[{"to":800000,"pct":1.5,"from":0},{"to":5000000,"pct":1,"from":800000},{"to":20000000,"pct":0.75,"from":5000000},{"to":null,"pct":0.5,"from":20000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024726","versionId":1024726,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-24","documentName":"ADV PART 2A-THE PROFESSIONAL FINANCIAL COMPANY LLC","fee_rate_low":0.5,"fee_rate_high":1.5,"fee_negotiable":false,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Services","summary":"Flat fee for financial planning that ranges from $500 to $25,000 depending on the complexity of the client's situation; not negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024726","versionId":1024726,"submittedOn":"2026-03-24","documentName":"ADV PART 2A-THE PROFESSIONAL FINANCIAL COMPANY LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T10:17:59.849196+00:00","documents":[{"name":"ADV PART 2A-THE PROFESSIONAL FINANCIAL COMPANY LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024726","versionId":1024726,"submittedOn":"2026-03-24"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":175774027},{"name":"Wells Fargo Clearing Services, LLC","shortName":"Wells Fargo Clearing Services","location":"St. Louis, MO","smaAssets":53268266}],"custodyNote":"The Professional Financial does not have custody of client assets.","leadership":[{"name":"William Miller","title":"Principal & Chief Compliance Officer","crd":"5844796"}],"ownership":[{"label":"The W. Bruce Miller Revocable Trust","detail":"Member in the 75% or more ownership band and a control person, since September 2015."},{"label":"The Mary G. Miller Revocable Trust","detail":"Member in the 10% to 25% ownership band, since September 2015."},{"label":"William Miller","detail":"Indirect owner: trustee of The W. Bruce Miller Revocable Trust and a control person, since April 2015.","parent":"The W. Bruce Miller Revocable Trust"},{"label":"Mary Miller","detail":"Indirect owner: trustee of The Mary G. Miller Revocable Trust and a control person, since April 2015.","parent":"The Mary G. Miller Revocable Trust"}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Utah","offices":1,"addresses":[{"street":"384 W Center St","city":"Orem","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"801-701-2345","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":33},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":33},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":13},{"label":"Cash and cash equivalents","percent":8},{"label":"Other","percent":10,"detail":"Alternatives"}],"privateFunds":0},"sources":{"adv1FilingDate":"24 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/286419/PDF/286419.pdf","brochureDate":"24 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024726","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 Professional Financial have?","answer":"The Professional Financial has 285 clients and manages $246 million for them, as of March 2026. They include 184 individual clients, 71 high-net-worth individuals and 22 other clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does The Professional Financial offer?","answer":"The Professional Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, 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 The Professional Financial charge?","answer":"The Professional Financial charges 0.50%–1.50% a year for its Portfolio Management Fees. Each asset band is charged at its own rate. The fee is billed in advance and is not negotiable.","source":"ADV PART 2A-THE PROFESSIONAL FINANCIAL COMPANY LLC, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does The Professional Financial use?","answer":"The Professional Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $176M and Wells Fargo Clearing Services, LLC (St. Louis, MO), with $53.3M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does The Professional Financial have?","answer":"The Professional Financial has 3 investment adviser representatives registered with state securities authorities, out of 7 employees, and 3 perform investment advisory functions. 0 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 Professional Financial invest in?","answer":"At the end of its last fiscal year, The Professional Financial’s separately managed accounts held 33% exchange-traded equities, 33% registered funds (mutual funds, ETFs, BDCs), 13% pooled vehicles (private funds and similar), 10% other, 8% cash and equivalents, 2% investment grade corporate bonds and 1% state and local bonds. The 10% other category is described as: Alternatives.","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 Professional Financial?","answer":"The Professional Financial’s direct owners are the W. Bruce Miller Revocable Trust (75% or more) and the Mary G. Miller Revocable Trust (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does The Professional Financial get paid?","answer":"The Professional Financial is paid through a percentage of assets under management 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":"Is The Professional Financial registered with the SEC?","answer":"Yes, The Professional Financial has been registered with the SEC as an investment adviser since 28 January 2019. Its CRD number is 286419 and its SEC file number is 801-114491.","source":"Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact The Professional Financial?","answer":"The Professional Financial’s main office is at 384 W Center St, Orem, UT 84057. Its phone number is 801-701-2345. Its website is thepfc.com.","source":"Form ADV Part 1A, Item 1.F, filed 24 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."}