{"url":"https://nivawealth.com/firms/vip-planners-111946","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/111946","regulatoryAum":126165535,"crd":"111946","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8057916","suffix":null,"lastName":"Vandelinde","firstName":"Ryan","middleName":null},{"crd":"1146594","suffix":null,"lastName":"VANDELINDE","firstName":"TERRY","middleName":"LEE"}],"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"},"secFileNumber":"801-134197","legalName":"Vip Planners, Inc.","displayName":"VIP Planners","slug":"vip-planners-111946","website":"https://vipplanners.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Virginia corporation","fiscalYearEnd":"December","headquarters":{"street":"1502 Franklin Road, SW","city":"Roanoke","state":"VA","stateName":"Virginia","country":"United States","postalCode":"24016"},"tradeNames":[],"registration":{"secApproved":"9 September 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":608251.3009708738,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":126165535,"discretionary":126165535,"discretionaryAccounts":427,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":175,"regulatoryAum":36570611},{"label":"High-net-worth individuals","clients":31,"regulatoryAum":88729157},{"label":"Charitable organizations","clients":3,"fewerThan5":true,"regulatoryAum":865767}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1.5,"from":0},{"to":5000000,"pct":1.25,"from":1000000},{"to":null,"pct":1,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009803","versionId":1009803,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-18","documentName":"VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE","fee_rate_low":1,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":100000,"feeMinimumPeriod":"annual","fee_minimum_annual":1500},{"role":"other","program":"Financial Consulting Services","summary":"Financial consulting is invoiced at the estimated cost of the plan, half due on engagement and the final payment based on actual hours required.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009803","versionId":1009803,"submittedOn":"2026-02-18","documentName":"VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE"},{"role":"other","program":"Financial Planning Services","summary":"Financial planning has a minimum fee of $1,500 that is negotiable, and follow-up implementation work is billed at $375 per hour, also negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009803","versionId":1009803,"submittedOn":"2026-02-18","documentName":"VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:11:39.04037+00:00","documents":[{"name":"VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009803","versionId":1009803,"submittedOn":"2026-02-18"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":126165535}],"custodyNote":"VIP Planners has custody of $56.2M in client assets for 65 clients.","otherCustodians":[],"leadership":[{"name":"Terry Vandelinde","title":"President/CCO","crd":"1146594"}],"ownership":[{"label":"Terry Vandelinde","detail":"President/cco in the 75% or more ownership band and a control person, since May 1985."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":2,"addresses":[{"street":"1502 Franklin Road, SW","city":"Roanoke","headquarters":true},{"street":"137 Laxton Road","city":"Forest"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"540-342-1895","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"],"financialPlanningClients":"0","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":95},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/111946/PDF/111946.pdf","brochureDate":"18 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009803","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 VIP Planners have?","answer":"VIP Planners has 209 clients and manages $126 million for them, as of March 2026. They include 175 individual clients, 31 high-net-worth individuals and 3 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does VIP Planners offer?","answer":"VIP Planners provides financial planning and portfolio management for individuals and small businesses.","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 VIP Planners charge?","answer":"VIP Planners charges 1.00%–1.50% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable, has a $1,500 annual minimum and requires an account of at least $100,000.","source":"VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE, filed 18 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does VIP Planners use?","answer":"VIP Planners’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $126M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does VIP Planners have?","answer":"VIP Planners has 2 investment adviser representatives registered with state securities authorities, out of 4 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 VIP Planners invest in?","answer":"At the end of its last fiscal year, VIP Planners’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs) and 5% 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":"Does VIP Planners have a minimum investment?","answer":"Yes, VIP Planners’ minimum account size for its Portfolio Management Services is $100K. It charges a $1.5K annual minimum fee.","source":"VIP PLANNERS, INC. FORM ADV PART 2A - BROCHURE, filed 18 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns VIP Planners?","answer":"VIP Planners’ direct owner is Terry Vandelinde (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does VIP Planners get paid?","answer":"VIP Planners 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 VIP Planners?","answer":"VIP Planners’ main office is at 1502 Franklin Road, SW, Roanoke, VA 24016. Its phone number is 540-342-1895. Its website is vipplanners.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 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."}