{"url":"https://nivawealth.com/firms/wealth-management-solutions-296875","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/296875","regulatoryAum":106305710,"crd":"296875","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"3126628","suffix":null,"lastName":"MCCALL","firstName":"JOANNA","middleName":"S."},{"crd":"2653959","suffix":null,"lastName":"SHOESMITH","firstName":"DAVID","middleName":"EDWARD"},{"crd":"2229770","suffix":null,"lastName":"STIPE","firstName":"STEPHEN","middleName":"ROBERT"}],"total":3,"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":"801-134229","legalName":"Wealth Management Solutions LLC","displayName":"Wealth Management Solutions","slug":"wealth-management-solutions-296875","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Oklahoma limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"25 August 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":632772.0833333334,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":106305710,"discretionary":85918632,"discretionaryAccounts":193,"nonDiscretionary":20387078,"nonDiscretionaryAccounts":66,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":128},"clientTypes":[{"label":"Individuals (other than HNW)","clients":128,"regulatoryAum":57291185},{"label":"High-net-worth individuals","clients":40,"regulatoryAum":49014525}],"feePrograms":[{"role":"other","program":"401k advisory services","summary":"Recommendations on allocating 401k plans at the employer, $300 to $600 annually, negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001601","versionId":1001601,"submittedOn":"2026-01-13","documentName":"SEC WMS BROCHURE JANUARY 2026"},{"role":"other","program":"Financial planning and counseling","summary":"Written financial plan and counseling fees of $300 to $1,200, negotiable with the advisor.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001601","versionId":1001601,"submittedOn":"2026-01-13","documentName":"SEC WMS BROCHURE JANUARY 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T16:02:53.885729+00:00","documents":[{"name":"SEC WMS BROCHURE JANUARY 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001601","versionId":1001601,"submittedOn":"2026-01-13"}]},"custodians":[{"name":"Raymond James & Associates, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":116171121}],"custodyNote":"Wealth Management Solutions does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Stephen Stipe","title":"Managing Member and Chief Compliance Officer","crd":"2229770"}],"ownership":[{"label":"Stephen Stipe","detail":"Managing member and chief compliance officer in the 75% or more ownership band and a control person, since January 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":0},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"Oklahoma","offices":3,"addresses":[{"street":"4713 NW 77th Street","city":"Oklahoma City"},{"street":"401 S. Dewey Suite 318","city":"Bartlesville"},{"street":"15885 E. 470 Road","city":"Claremore"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"918-499-1700","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"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":27},{"label":"Investment grade corporate bonds","percent":7},{"label":"Securities issued by registered investment companies or business development companies","percent":35},{"label":"Cash and cash equivalents","percent":30}],"privateFunds":0},"sources":{"adv1FilingDate":"13 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/296875/PDF/296875.pdf","brochureDate":"13 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1001601","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 Wealth Management Solutions have?","answer":"Wealth Management Solutions has 168 clients and manages $106 million for them, as of January 2026. They include 128 individual clients and 40 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 January 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Wealth Management Solutions offer?","answer":"Wealth Management Solutions 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":"Which custodians does Wealth Management Solutions use?","answer":"Wealth Management Solutions’ separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $116M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 January 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Wealth Management Solutions have?","answer":"Wealth Management Solutions has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 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 Wealth Management Solutions invest in?","answer":"At the end of its last fiscal year, Wealth Management Solutions’ separately managed accounts held 35% registered funds (mutual funds, ETFs, BDCs), 30% cash and equivalents, 27% exchange-traded equities and 7% investment grade corporate bonds.","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 Wealth Management Solutions?","answer":"Wealth Management Solutions’ direct owner is Stephen Stipe (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 13 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Wealth Management Solutions get paid?","answer":"Wealth Management Solutions 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 Wealth Management Solutions?","answer":"Its phone number is 918-499-1700.","source":"Form ADV Part 1A, Item 1.F, filed 13 January 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."}