# Adviceonly

> 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.

- CRD: 334039
- Filed as: ADVICEONLY
- Legal name: Advice Only, PBC
- Also doing business as: CENTS OF JOY FINANCIAL PLANNING, DIVERSO ADVISORS, OPEN BOOK FINANCIAL PLANNING
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Diego, CA
- Filing period: October 2026
- Form ADV filing dated: August 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/334039
- AdvisorCensus page: https://advisorcensus.com/firm/adviceonly-san-diego-ca-334039

## Quick answers

**How is Adviceonly compensated?**
On its Form ADV (Item 5.E, October 2026), Adviceonly reports these compensation arrangements: hourly charges; fixed fees (other than subscription fees).

**Where is Adviceonly located?**
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).

**Is Adviceonly registered with the SEC or a state?**
Adviceonly is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 334039.

**Does Adviceonly report any disciplinary disclosures?**
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

**Does Adviceonly state an account minimum?**
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."

**What changed in Adviceonly's recent Form ADV filings?**
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.

## From the Form ADV filing

### Compensation (Item 5.E)
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Account minimum: None

> 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.

- Minimum annual fee: None

> We do not impose a minimum fee or minimum net worth requirement to engage our financial planning services.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Advisory services (Item 5.G)
- Financial planning services

### Firm details
- Registered since: 2026 (0 years)
- Employees: 6 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, KY, LA, MA, ME, MN, MO, NJ, NY, PA, TX, UT, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the September 2026 filing
- Denver, CO
- Kansas City, MO
- Louisville, KY
- Minneapolis, MN
- Murrieta, CA
- Spanish Fork, UT

### Websites listed on Form ADV (Item 1.I)
- adviceonly.com
- centsofjoy.com
- diversoadvisors.com
- michaelandersonfinance.com
- openbookfp.com
- Instagram @centsofjoyfinancial
- LinkedIn @audreykemerson
- LinkedIn @luca-rassenti
- LinkedIn @michael-anderson-cfp
- LinkedIn @michael-hart-cfp®-97862b98

## Changes in the filing (last 12 months)

### September 2026
- 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.

### March 2026
- Newly registered with the SEC.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Adviceonly (CRD 334039): Form ADV filing data as of October 2026.