{"url":"https://nivawealth.com/firms/vcp-financial-167901","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/167901","regulatoryAum":142555551,"crd":"167901","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4738175","suffix":null,"lastName":"LALL","firstName":"GAURAV","middleName":"CHAND"},{"crd":"2882204","suffix":"JR","lastName":"ORLANDO","firstName":"JOSEPH","middleName":"JOHN"},{"crd":"4799909","suffix":null,"lastName":"SHABAT","firstName":"TAMIR","middleName":null},{"crd":"4191462","suffix":null,"lastName":"SPIEGEL","firstName":"DANIEL","middleName":null}],"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":"2021-07-22","regulatoryAum":65654694,"clients":311,"employees":4,"offices":1},{"filedOn":"2022-06-07","regulatoryAum":110722701,"clients":414,"employees":4,"offices":1},{"filedOn":"2023-03-31","regulatoryAum":94280727,"clients":421,"employees":4,"offices":1},{"filedOn":"2024-06-13","regulatoryAum":99449851,"clients":517,"employees":4,"offices":1},{"filedOn":"2025-05-19","regulatoryAum":115750896,"clients":437,"employees":5,"offices":1},{"filedOn":"2026-02-12","regulatoryAum":142555551,"clients":411,"employees":5,"offices":1}],"secFileNumber":"801-112255","legalName":"VCP Financial LLC","displayName":"VCP Financial","slug":"vcp-financial-167901","website":"https://vcpfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/167901/fcab5d2611b0a930-r1.webp","tone":"light","width":343,"height":200,"sourceUrl":"http://www.vcpfinancial.com/","sourceLabel":"VCP Financial LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"New York limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2535 Victory Boulevard","city":"Staten Island","state":"NY","stateName":"New York","country":"United States","postalCode":"10314"},"tradeNames":[],"registration":{"secApproved":"5 January 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":289767.05194805196,"staff":{"employees":5,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":142555551,"discretionary":73085062,"discretionaryAccounts":83,"nonDiscretionary":69470489,"nonDiscretionaryAccounts":328,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":133,"regulatoryAum":14404955},{"label":"High-net-worth individuals","clients":252,"regulatoryAum":97155360},{"label":"Pension and profit-sharing plans","clients":11,"regulatoryAum":5764456},{"label":"Corporations and other businesses","clients":15,"regulatoryAum":25230780}],"feePrograms":[{"role":"main","program":"Investment Supervisory Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007325","versionId":1007325,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-09","documentName":"ADV PART 2A BROCHURE","fee_rate_low":1.5,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Consulting","summary":"Consulting is billed on a fixed or hourly basis; the hourly fee ranges from $100 to $300 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007325","versionId":1007325,"submittedOn":"2026-02-09","documentName":"ADV PART 2A BROCHURE"},{"role":"other","program":"Financial Planning","summary":"Financial planning is billed on a fixed or hourly basis; the hourly fee ranges from $100 to $300 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007325","versionId":1007325,"submittedOn":"2026-02-09","documentName":"ADV PART 2A BROCHURE"},{"role":"other","program":"Pension Consulting","summary":"Pension consulting is billed as a percentage of assets under advisement, ranging from 0.25% to 0.50% annually.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007325","versionId":1007325,"submittedOn":"2026-02-09","documentName":"ADV PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:43:16.94894+00:00","documents":[{"name":"ADV PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007325","versionId":1007325,"submittedOn":"2026-02-09"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008633","versionId":1008633,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008632","versionId":1008632,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007329","versionId":1007329,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007327","versionId":1007327,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":142555550}],"custodyNote":"VCP Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Gaurav Lall","title":"Managing Member, Chief Compliance Officer","crd":"4738175"},{"name":"Tamir Shabat","title":"Managing Member","crd":"4799909"},{"name":"Daniel Spiegel","title":"Managing Member","crd":"4191462"}],"ownership":[{"label":"Daniel Spiegel","detail":"Managing member in the 25% to 50% ownership band and a control person, since June 2013."},{"label":"Gaurav Lall","detail":"Managing member, chief compliance officer in the 25% to 50% ownership band and a control person, since June 2013."},{"label":"Tamir Shabat","detail":"Managing member in the 25% to 50% ownership band and a control person, since July 2019."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New York","offices":1,"addresses":[{"street":"2535 Victory Boulevard","city":"Staten Island","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"212-328-7876","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":44},{"label":"U.S. government/agency bonds","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":22},{"label":"Cash and cash equivalents","percent":3},{"label":"Other","percent":21,"detail":"Alternatives"}],"privateFunds":0},"sources":{"adv1FilingDate":"12 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/167901/PDF/167901.pdf","brochureDate":"9 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007325","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 VCP Financial have?","answer":"VCP Financial has 411 clients and manages $143 million for them, as of February 2026. They include 252 high-net-worth individuals, 133 individual clients, and 15 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does VCP Financial offer?","answer":"VCP Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, 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":"How much does VCP Financial charge?","answer":"VCP Financial charges 1.50%–2.00% a year for its Investment Supervisory Services. The fee is billed in advance, is negotiable and requires an account of at least $250,000.","source":"ADV PART 2A BROCHURE, filed 9 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does VCP Financial use?","answer":"VCP Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $143M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does VCP Financial have?","answer":"VCP Financial has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 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 VCP Financial invest in?","answer":"At the end of its last fiscal year, VCP Financial’s separately managed accounts held 44% exchange-traded equities, 22% registered funds (mutual funds, ETFs, BDCs), 21% other, 10% U.S. government and agency bonds and 3% cash and equivalents. The 21% 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":"Does VCP Financial have a minimum investment?","answer":"Yes, VCP Financial’s minimum account size for its Investment Supervisory Services is $250K.","source":"ADV PART 2A BROCHURE, filed 9 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns VCP Financial?","answer":"VCP Financial’s direct owners are Daniel Spiegel, Gaurav Lall and Tamir Shabat, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does VCP Financial get paid?","answer":"VCP Financial is paid through a percentage of assets under management and hourly charges. 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 VCP Financial?","answer":"VCP Financial’s main office is at 2535 Victory Boulevard, Staten Island, NY 10314. Its phone number is 212-328-7876. Its website is vcpfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 February 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."}