{
  "crd_number": 334039,
  "slug": "adviceonly-san-diego-ca-334039",
  "primary_business_name": "ADVICEONLY",
  "legal_name": "ADVICE ONLY, PBC",
  "dbas": [
    "CENTS OF JOY FINANCIAL PLANNING",
    "DIVERSO ADVISORS",
    "OPEN BOOK FINANCIAL PLANNING"
  ],
  "city": "San Diego",
  "state": "CA",
  "country": "United States",
  "cbsa_code": "41740",
  "metro": {
    "cbsa_code": "41740",
    "common_name": "San Diego",
    "msa_name": "San Diego-Chula Vista-Carlsbad, CA",
    "path": "/advisors/ca/san-diego"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2026-02-06",
  "years_registered": 0,
  "period": "2026-10-01",
  "filing_date": "2026-08-05",
  "carried_forward": false,
  "raum_total": null,
  "raum_discretionary": null,
  "raum_non_discretionary": null,
  "raum_band": "not_reported",
  "raum_band_label": "Not reported",
  "total_employees": 6,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": null,
  "compensation_types": [
    "fixed",
    "hourly"
  ],
  "advisory_activities": [
    "financial_planning"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AZ",
    "CA",
    "CO",
    "KY",
    "LA",
    "MA",
    "ME",
    "MN",
    "MO",
    "NJ",
    "NY",
    "PA",
    "TX",
    "UT",
    "WA"
  ],
  "websites": [
    "https://adviceonly.com",
    "https://centsofjoy.com",
    "https://diversoadvisors.com",
    "https://instagram.com/centsofjoyfinancial",
    "https://linkedin.com/in/audreykemerson",
    "https://linkedin.com/in/luca-rassenti",
    "https://linkedin.com/in/michael-anderson-cfp",
    "https://linkedin.com/in/michael-hart-cfp%C2%AE-97862b98",
    "https://michaelandersonfinance.com",
    "https://openbookfp.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/334039",
  "city_as_filed": "SAN DIEGO",
  "url": "https://advisorcensus.com/firm/adviceonly-san-diego-ca-334039",
  "display_name": "Adviceonly",
  "summary": "Adviceonly is an SEC-registered investment advisory firm in San Diego, CA, registered since 2026, with no regulatory assets under management reported in its Form ADV filing dated August 5, 2026.",
  "citation": "AdvisorCensus. Adviceonly (CRD 334039): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services"
  ],
  "quick_answers": [
    {
      "q": "How is Adviceonly compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Adviceonly reports these compensation arrangements: hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Adviceonly charge?",
      "a": "Its Form ADV Part 2A brochure dated March 31, 2026 states: Hourly rate: $50 to $600 an hour (Ongoing Financial Planning). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Adviceonly located?",
      "a": "Adviceonly's principal office is in San Diego, CA, according to its Form ADV; the September 2026 filing also lists 6 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Adviceonly registered with the SEC or a state?",
      "a": "Adviceonly is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 334039."
    },
    {
      "q": "Does Adviceonly report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/334039"
    },
    {
      "q": "Does Adviceonly state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 31, 2026 says: \"We do not require a minimum dollar amount to open and maintain investment accounts, as we do not manage any accounts for any clients.\" \"We do not impose a minimum fee or minimum net worth requirement to engage our financial planning services.\""
    },
    {
      "q": "What changed in Adviceonly's recent Form ADV filings?",
      "a": "In the September 2026 filing data: No longer lists the business name Caregivers Resource Group. Added the business name Diverso Advisors. Employees performing advisory functions went from 6 to 5. Added an office in Denver, CO. Added an office in Kansas City, MO. Added an office in Louisville, KY. Added an office in Minneapolis, MN. Added an office in Spanish Fork, UT."
    }
  ],
  "filing_history": [],
  "recent_changes": [
    {
      "period": "2026-09-01",
      "period_label": "September 2026",
      "notes": [
        "No longer lists the business name Caregivers Resource Group.",
        "Added the business name Diverso Advisors.",
        "Employees performing advisory functions went from 6 to 5.",
        "Added an office in Denver, CO.",
        "Added an office in Kansas City, MO.",
        "Added an office in Louisville, KY.",
        "Added an office in Minneapolis, MN.",
        "Added an office in Spanish Fork, UT."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Newly registered with the SEC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 31, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": "None",
    "planning_fees": [
      "Hourly rate: $50 to $600 an hour (Ongoing Financial Planning)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We do not require a minimum dollar amount to open and maintain investment accounts, as we do not manage any accounts for any clients.",
          "We do not impose a minimum fee or minimum net worth requirement to engage our financial planning services."
        ]
      },
      {
        "label": "Minimum annual fee",
        "statements": [
          "Minimum annual fee: None"
        ],
        "quotes": [
          "We do not impose a minimum fee or minimum net worth requirement to engage our financial planning services."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $50 to $600 an hour (Ongoing Financial Planning)"
        ],
        "quotes": [
          "Fees are based upon an hourly rate of $50 – $600, and an estimated amount of time expected to provide services to the Client."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": 0.0,
      "planning": [
        {
          "kind": "hourly",
          "amount": null,
          "min": 50.0,
          "max": 600.0,
          "period": "hour",
          "service": "Ongoing Financial Planning"
        }
      ]
    },
    "quotes": [
      "We do not require a minimum dollar amount to open and maintain investment accounts, as we do not manage any accounts for any clients.",
      "We do not impose a minimum fee or minimum net worth requirement to engage our financial planning services.",
      "We do not impose a minimum fee or minimum net worth requirement to engage our financial planning services.",
      "Fees are based upon an hourly rate of $50 – $600, and an estimated amount of time expected to provide services to the Client."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/adviceonly-san-diego-ca-334039.md",
  "clients": [],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/334039",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}