{"url":"https://nivawealth.com/firms/tull-financial-group-112235","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/112235","regulatoryAum":367086618,"crd":"112235","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8242794","suffix":null,"lastName":"Flitton","firstName":"Logan","middleName":"Edward"},{"crd":"7835321","suffix":null,"lastName":"Hon","firstName":"Isaac","middleName":null},{"crd":"7093449","suffix":"Jr.","lastName":"Overton","firstName":"William","middleName":"Andrew"},{"crd":"7009637","suffix":null,"lastName":"Tull","firstName":"Philip","middleName":"Lawson"},{"crd":"1387893","suffix":"JR","lastName":"TULL","firstName":"ROBERT","middleName":"WHITE"}],"total":5,"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":"2021-04-05","regulatoryAum":229678296,"clients":240,"employees":7,"offices":1},{"filedOn":"2022-03-11","regulatoryAum":267205446,"clients":272,"employees":9,"offices":1},{"filedOn":"2023-06-23","regulatoryAum":238856321,"clients":283,"employees":9,"offices":1},{"filedOn":"2024-03-14","regulatoryAum":281487817,"clients":295,"employees":9,"offices":1},{"filedOn":"2025-03-06","regulatoryAum":311673043,"clients":301,"employees":9,"offices":1},{"filedOn":"2026-03-18","regulatoryAum":367086618,"clients":295,"employees":9,"offices":1}],"secFileNumber":"801-61759","legalName":"Tull Financial Group, Inc.","displayName":"Tull Financial Group","slug":"tull-financial-group-112235","website":"https://tullfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/112235/afb07c406c6705df-r1.webp","tone":"dark","width":486,"height":200,"sourceUrl":"https://tullfinancial.com/","sourceLabel":"Tull Financial Group, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/tullfinancial/","xUrl":"https://twitter.com/tullfinancial?lang=en","founded":"1992","organization":"Virginia corporation","fiscalYearEnd":"December","headquarters":{"street":"555 Belaire Avenue, Suite 130","city":"Chesapeake","state":"VA","stateName":"Virginia","country":"United States","postalCode":"23320-5205"},"tradeNames":[],"registration":{"secApproved":"23 January 2003","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1217966.4897260275,"staff":{"employees":9,"advisory":5,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":367086618,"discretionary":364003112,"discretionaryAccounts":982,"nonDiscretionary":3083506,"nonDiscretionaryAccounts":18,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":181,"regulatoryAum":91114911},{"label":"High-net-worth individuals","clients":111,"regulatoryAum":264531304},{"label":"Pension and profit-sharing plans","clients":2,"fewerThan5":true,"regulatoryAum":749536},{"label":"Corporations and other businesses","clients":1,"fewerThan5":true,"regulatoryAum":10690867}],"feePrograms":[{"role":"main","program":"Investment Supervisory Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":2000000,"pct":0.75,"from":1000000},{"to":3000000,"pct":0.5,"from":2000000},{"to":null,"pct":0.25,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021123","versionId":1021123,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-18","documentName":"TULL FINANCIAL GROUP 2A","fee_rate_low":0.25,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":750000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial plans are priced by estimated hours and complexity, with a $2,000 minimum that includes an investment proposal; half is paid on signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021123","versionId":1021123,"submittedOn":"2026-03-18","documentName":"TULL FINANCIAL GROUP 2A"},{"role":"other","program":"Hourly Services","summary":"One-time services are billed at hourly rates from $100 to $500, with half payable on signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021123","versionId":1021123,"submittedOn":"2026-03-18","documentName":"TULL FINANCIAL GROUP 2A"},{"role":"other","program":"Investment Proposal and Retirement Projection","summary":"An investment proposal has a $750 minimum and a retirement projection a $1,500 minimum, with half payable on signing.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021123","versionId":1021123,"submittedOn":"2026-03-18","documentName":"TULL FINANCIAL GROUP 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:30:09.056487+00:00","documents":[{"name":"TULL FINANCIAL GROUP 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021123","versionId":1021123,"submittedOn":"2026-03-18"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":352044905}],"custodyNote":"Tull Financial Group has custody of $195M in client assets for 222 clients.","otherCustodians":[],"leadership":[{"name":"Robert Tull","title":"President/Chief Compliance Officer","crd":"1387893"},{"name":"Cathy Tull","title":"Director; Secretary","crd":"4386024"}],"ownership":[{"label":"Robert Tull","detail":"President/chief compliance officer in the 50% to 75% ownership band and a control person, since February 1989."},{"label":"Cathy Tull","detail":"Director; secretary in the 50% to 75% ownership band and a control person, since February 1989."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":1,"addresses":[{"street":"555 Belaire Avenue, Suite 130","city":"Chesapeake","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"757-436-1122","stateRegisteredReps":3,"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","Educational seminars/workshops"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":3},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":92},{"label":"Cash and cash equivalents","percent":1},{"label":"Other","percent":1,"detail":"Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"18 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/112235/PDF/112235.pdf","brochureDate":"18 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021123","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 Tull Financial Group have?","answer":"Tull Financial Group has 295 clients and manages $367 million for them, as of March 2026. They include 181 individual clients, 111 high-net-worth individuals, and 2 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Tull Financial Group offer?","answer":"Tull Financial Group provides financial planning, portfolio management for individuals and small businesses, educational seminars, education planning, estate planning, insurance, retirement plan services, 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 Tull Financial Group charge?","answer":"Tull Financial Group charges 0.25%–1.00% a year for its Investment Supervisory Services. Each asset band is charged at its own rate. The fee is billed in advance and requires an account of at least $750,000.","source":"TULL FINANCIAL GROUP 2A, filed 18 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Tull Financial Group use?","answer":"Tull Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $352M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 18 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Tull Financial Group have?","answer":"Tull Financial Group has 3 investment adviser representatives registered with state securities authorities, out of 9 employees, and 5 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 Tull Financial Group invest in?","answer":"At the end of its last fiscal year, Tull Financial Group’s separately managed accounts held 92% registered funds (mutual funds, ETFs, BDCs), 3% exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds, 1% cash and equivalents and 1% other. The 1% other category is described as: Annuities.","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":"Does Tull Financial Group have a minimum investment?","answer":"Yes, Tull Financial Group’s minimum account size for its Investment Supervisory Services is $750K.","source":"TULL FINANCIAL GROUP 2A, filed 18 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Tull Financial Group?","answer":"Tull Financial Group’s direct owners are Robert Tull (50% to 75%) and Cathy Tull (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 18 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Tull Financial Group get paid?","answer":"Tull Financial 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 Tull Financial Group?","answer":"Tull Financial Group’s main office is at 555 Belaire Avenue, Suite 130, Chesapeake, VA 23320-5205. Its phone number is 757-436-1122. Its website is tullfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 18 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/tull-financial-group-112235/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-05","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1769060/000176906026000004/0001769060-26-000004-index.html","totalValue":255531424,"positionCount":35,"top10Share":0.9507249918507087,"top10":[{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":62118350,"shares":706854,"shareType":"SH","priorValue":52784309,"priorShares":689630},{"issuer":"VANGUARD MALVERN FDS","titleOfClass":"CORE BD ETF","cusip":"922020748","value":38859366,"shares":503147,"shareType":"SH","priorValue":37300583,"priorShares":482044},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":31871036,"shares":329996,"shareType":"SH","priorValue":28966196,"priorShares":319962},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":28715363,"shares":38453,"shareType":"SH","priorValue":25249924,"priorShares":38826},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHARES US EQUIT","cusip":"09290C103","value":27236863,"shares":400483,"shareType":"SH","priorValue":22343765,"priorShares":384045},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"US QUALTY FCTR","cusip":"46641Q761","value":24244210,"shares":335421,"shareType":"SH","priorValue":20630855,"priorShares":336446},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"INTL HIGH ETF","cusip":"921946794","value":18196682,"shares":185302,"shareType":"SH","priorValue":16870504,"priorShares":179016},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"AVANTIS EMGMKT","cusip":"025072604","value":8958627,"shares":92845,"shareType":"SH"},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":1468237,"shares":46302,"shareType":"SH","priorValue":1467162,"priorShares":47821},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":1271377,"shares":10239,"shareType":"SH","priorValue":1161087,"priorShares":2723}],"positionsListed":35,"positions":[{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR P500ETF","cusip":"78464A854","value":62118350,"shares":706854,"shareType":"SH","priorValue":52784309,"priorShares":689630},{"issuer":"VANGUARD MALVERN FDS","titleOfClass":"CORE BD ETF","cusip":"922020748","value":38859366,"shares":503147,"shareType":"SH","priorValue":37300583,"priorShares":482044},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI EAFE","cusip":"46432F842","value":31871036,"shares":329996,"shareType":"SH","priorValue":28966196,"priorShares":319962},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":28715363,"shares":38453,"shareType":"SH","priorValue":25249924,"priorShares":38826},{"issuer":"BLACKROCK ETF TRUST","titleOfClass":"ISHARES US EQUIT","cusip":"09290C103","value":27236863,"shares":400483,"shareType":"SH","priorValue":22343765,"priorShares":384045},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"US QUALTY FCTR","cusip":"46641Q761","value":24244210,"shares":335421,"shareType":"SH","priorValue":20630855,"priorShares":336446},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"INTL HIGH ETF","cusip":"921946794","value":18196682,"shares":185302,"shareType":"SH","priorValue":16870504,"priorShares":179016},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"AVANTIS EMGMKT","cusip":"025072604","value":8958627,"shares":92845,"shareType":"SH"},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US DIVIDEND EQ","cusip":"808524797","value":1468237,"shares":46302,"shareType":"SH","priorValue":1467162,"priorShares":47821},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 GRW ETF","cusip":"464287614","value":1271377,"shares":10239,"shareType":"SH","priorValue":1161087,"priorShares":2723},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":1235415,"shares":6174,"shareType":"SH","priorValue":1056828,"priorShares":6060},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":1144363,"shares":1666,"shareType":"SH","priorValue":957041,"priorShares":1602},{"issuer":"NORFOLK SOUTHN CORP","titleOfClass":"COM","cusip":"655844108","value":1084910,"shares":3449,"shareType":"SH","priorValue":989600,"priorShares":3448},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":1078512,"shares":3727,"shareType":"SH","priorValue":860938,"priorShares":3392},{"issuer":"AMAZON COM INC","titleOfClass":"COM","cusip":"023135106","value":702626,"shares":2948,"shareType":"SH","priorValue":586488,"priorShares":2816},{"issuer":"TESLA INC","titleOfClass":"COM","cusip":"88160R101","value":684316,"shares":1627,"shareType":"SH","priorValue":597031,"priorShares":1606},{"issuer":"ISHARES TR","titleOfClass":"GLOBAL TECH ETF","cusip":"464287291","value":674433,"shares":4668,"shareType":"SH","priorValue":466660,"priorShares":4668},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":600524,"shares":1610,"shareType":"SH","priorValue":613977,"priorShares":1659},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US LCAP GR ETF","cusip":"808524300","value":490520,"shares":14495,"shareType":"SH","priorValue":415417,"priorShares":14261},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":486379,"shares":972,"shareType":"SH","priorValue":473450,"priorShares":988},{"issuer":"VANGUARD INSTL INDEX FD","titleOfClass":"0 3 MO TR BI ETF","cusip":"922040845","value":450242,"shares":5949,"shareType":"SH"},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":422549,"shares":5931,"shareType":"SH","priorValue":371537,"priorShares":5798},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":374166,"shares":1047,"shareType":"SH","priorValue":293886,"priorShares":1022},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":362821,"shares":980,"shareType":"SH","priorValue":304096,"priorShares":948},{"issuer":"SELECT SECTOR SPDR TR","titleOfClass":"ST STR TECHN ETF","cusip":"81369Y803","value":351198,"shares":1843,"shareType":"SH","priorValue":244696,"priorShares":1841},{"issuer":"ISHARES TR","titleOfClass":"7-10 YR TRSY BD","cusip":"464287440","value":340883,"shares":3605,"shareType":"SH","priorValue":340602,"priorShares":3569},{"issuer":"VANGUARD ADMIRAL FDS INC","titleOfClass":"500 VAL IDX FD","cusip":"921932703","value":297355,"shares":1356,"shareType":"SH","priorValue":272034,"priorShares":1335},{"issuer":"STATE STR SPDR DOW JONES IND","titleOfClass":"UT SER 1","cusip":"78467X109","value":293979,"shares":563,"shareType":"SH","priorValue":260618,"priorShares":563},{"issuer":"TOWNEBANK PORTSMOUTH VA","titleOfClass":"COM","cusip":"89214P109","value":246120,"shares":6791,"shareType":"SH","priorValue":217387,"priorShares":6456},{"issuer":"PROCTER & GAMBLE CO","titleOfClass":"COM","cusip":"742718109","value":231744,"shares":1580,"shareType":"SH","priorValue":245867,"priorShares":1702},{"issuer":"DOLLAR TREE INC","titleOfClass":"COM","cusip":"256746108","value":221459,"shares":1831,"shareType":"SH","priorValue":200513,"priorShares":1831},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 VAL ETF","cusip":"464287598","value":211399,"shares":872,"shareType":"SH"},{"issuer":"JPMORGAN CHASE & CO","titleOfClass":"COM","cusip":"46625H100","value":202498,"shares":619,"shareType":"SH"},{"issuer":"META PLATFORMS INC","titleOfClass":"CL A","cusip":"30303M102","value":201658,"shares":358,"shareType":"SH","priorValue":212832,"priorShares":372},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"FTSE EMR MKT ETF","cusip":"922042858","value":201244,"shares":3371,"shareType":"SH","priorValue":7237863,"priorShares":133911}]},"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."}