{"url":"https://nivawealth.com/firms/think-different-financial-planning-312539","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/312539","regulatoryAum":141525076,"crd":"312539","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5541333","suffix":null,"lastName":"STEINBERGER","firstName":"WILLIAM","middleName":"JAMES"}],"total":1,"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":"801-135763","legalName":"Think Different Financial Planning LLC","displayName":"Think Different Financial Planning","slug":"think-different-financial-planning-312539","website":"https://thinkdifferentfp.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/312539/4dad15c1939f8c4f-r1.webp","tone":"light","width":458,"height":200,"sourceUrl":"https://thinkdifferentfp.com/","sourceLabel":"Think Different Financial Planning, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/think-different-financial-planning/about/?viewAsMember=true","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"3 April 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":null,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":141525076,"discretionary":141525076,"discretionaryAccounts":202,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":4,"fewerThan5":true,"regulatoryAum":2255815},{"label":"High-net-worth individuals","clients":41,"regulatoryAum":139269261}],"feePrograms":[{"role":"other","program":"Ongoing Comprehensive Financial Planning","summary":"Ongoing comprehensive financial planning is a flat annual fee of $16,500, paid quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057634","versionId":1057634,"submittedOn":"2026-09-11","documentName":"TDFP - ADV PART 2A/2B"},{"role":"other","program":"Project-Based Financial Planning","summary":"Project-based financial planning is billed hourly at $325 per hour, with half the estimated fee due at signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057634","versionId":1057634,"submittedOn":"2026-09-11","documentName":"TDFP - ADV PART 2A/2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:52:29.906393+00:00","documents":[{"name":"TDFP - ADV PART 2A/2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057634","versionId":1057634,"submittedOn":"2026-09-11"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":141525076}],"custodyNote":"Think Different Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"William Steinberger","title":"Founder, CEO, CCO","crd":"5541333"}],"ownership":[{"label":"William Steinberger","detail":"Founder, ceo, cco in the 75% or more ownership band and a control person, since January 2021."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"101 Jefferson Drive","city":"Menlo Park"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"650-387-0533","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":28},{"label":"Securities issued by registered investment companies or business development companies","percent":70},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"11 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/312539/PDF/312539.pdf","brochureDate":"11 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057634","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 Think Different Financial Planning have?","answer":"Think Different Financial Planning has 45 clients and manages $142 million for them, as of September 2026. They include 41 high-net-worth individuals and 4 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Think Different Financial Planning offer?","answer":"Think Different Financial Planning provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","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 Think Different Financial Planning use?","answer":"Think Different Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $142M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Think Different Financial Planning have?","answer":"Think Different Financial Planning has 1 investment adviser representative 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 Think Different Financial Planning invest in?","answer":"At the end of its last fiscal year, Think Different Financial Planning’s separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 28% exchange-traded equities and 2% 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 Think Different Financial Planning?","answer":"Think Different Financial Planning’s direct owner is William Steinberger (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 11 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Think Different Financial Planning get paid?","answer":"Think Different 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 Think Different Financial Planning?","answer":"Its phone number is 650-387-0533. Its website is thinkdifferentfp.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 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."}