{"url":"https://nivawealth.com/firms/vip-wealth-advisors-335528","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/335528","regulatoryAum":126099231,"crd":"335528","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2709160","suffix":null,"lastName":"STANCATO","firstName":"MARK","middleName":"ALLEN"}],"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":"801-135891","legalName":"Vip Wealth Advisors LLC","displayName":"VIP Wealth Advisors","slug":"vip-wealth-advisors-335528","website":"https://vipwealthadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Georgia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"120 W Trinity PL","city":"Decatur","state":"GA","stateName":"Georgia","country":"United States","postalCode":"30030"},"tradeNames":[],"registration":{"secApproved":"22 April 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":4203307.7,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":126099231,"discretionary":32519967,"discretionaryAccounts":96,"nonDiscretionary":93579264,"nonDiscretionaryAccounts":110,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":3,"regulatoryAum":1493308},{"label":"High-net-worth individuals","clients":27,"regulatoryAum":124605923}],"feePrograms":[{"role":"other","program":"Ongoing financial planning","summary":"Ongoing financial planning is a recurring fixed fee from $9,288 to $20,000 a year, paid in advance, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021294","versionId":1021294,"submittedOn":"2026-03-18","documentName":"ADV PART 2A/2B"},{"role":"other","program":"Project-based or hourly financial planning","summary":"Project-based financial planning is a fixed fee from $700 to $50,000, or hourly at $375, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021294","versionId":1021294,"submittedOn":"2026-03-18","documentName":"ADV PART 2A/2B"},{"role":"other","program":"Tax preparation","summary":"Tax preparation is a flat fee starting at $1,500, set by return complexity and agreed at the start of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021294","versionId":1021294,"submittedOn":"2026-03-18","documentName":"ADV PART 2A/2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T18:00:12.465987+00:00","documents":[{"name":"ADV PART 2A/2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021294","versionId":1021294,"submittedOn":"2026-03-18"}]},"custodians":[{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":25551712},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":100547519}],"custodyNote":"VIP Wealth Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Mark Stancato","title":"Founder, Lead Advisor & CCO","crd":"2709160"}],"ownership":[{"label":"Mark Stancato","detail":"Founder, lead advisor & cco in the 75% or more ownership band and a control person, since December 2024."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"120 W Trinity PL","city":"Decatur","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"917-319-8281","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)","Other"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":69},{"label":"U.S. government/agency bonds","percent":5},{"label":"Sovereign bonds","percent":1},{"label":"Investment grade corporate bonds","percent":2},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Cash and cash equivalents","percent":6},{"label":"Other","percent":16,"detail":"Alternative Assets"}],"privateFunds":0},"sources":{"adv1FilingDate":"18 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/335528/PDF/335528.pdf","brochureDate":"18 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1021294","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 Wealth Advisors have?","answer":"VIP Wealth Advisors has 30 clients and manages $126 million for them, as of March 2026. They include 27 high-net-worth individuals and 3 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 18 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does VIP Wealth Advisors offer?","answer":"VIP Wealth Advisors 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 VIP Wealth Advisors use?","answer":"VIP Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $101M and Altruist Financial LLC (Culver City, CA), with $25.6M. 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 VIP Wealth Advisors have?","answer":"VIP Wealth Advisors has 1 investment adviser representative registered with state securities authorities, out of 1 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 VIP Wealth Advisors invest in?","answer":"At the end of its last fiscal year, VIP Wealth Advisors’ separately managed accounts held 69% exchange-traded equities, 16% other, 6% cash and equivalents, 5% U.S. government and agency bonds, 2% investment grade corporate bonds, 1% sovereign bonds and 1% high-yield corporate bonds. The 16% other category is described as: Alternative Assets.","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 VIP Wealth Advisors?","answer":"VIP Wealth Advisors’ direct owner is Mark Stancato (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 18 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does VIP Wealth Advisors get paid?","answer":"VIP Wealth Advisors 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 VIP Wealth Advisors?","answer":"VIP Wealth Advisors’ main office is at 120 W Trinity PL, Decatur, GA 30030. Its phone number is 917-319-8281. Its website is vipwealthadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 18 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."}