# Atlas Fiduciary Services, Inc.

> Atlas Fiduciary Services, Inc. is an SEC-registered investment advisory firm in Concord, NH, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 13, 2026.

- CRD: 321271
- Filed as: ATLAS FIDUCIARY SERVICES, INC.
- Also doing business as: BCA FINANCIAL GROUP
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Concord, NH
- Filing period: October 2026
- Form ADV filing dated: July 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/321271
- AdvisorCensus page: https://advisorcensus.com/firm/atlas-fiduciary-services-inc-concord-nh-321271

## Quick answers

**How is Atlas Fiduciary Services, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Atlas Fiduciary Services, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**Where is Atlas Fiduciary Services, Inc. located?**
Atlas Fiduciary Services, Inc.'s principal office is in Concord, NH, according to its Form ADV; the August 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is Atlas Fiduciary Services, Inc. registered with the SEC or a state?**
Atlas Fiduciary Services, Inc. is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 321271.

**How much does Atlas Fiduciary Services, Inc. manage?**
Atlas Fiduciary Services, Inc. reports $269,279,564 in regulatory assets under management in its Form ADV filing dated July 13, 2026 (46% discretionary).

**How have Atlas Fiduciary Services, Inc.'s assets and staff changed since 2022?**
In the Form ADV data for Atlas Fiduciary Services, Inc.: Regulatory assets under management: $0 in the October 2022 data and $269,279,564 in the October 2026 data. Total employees: 2 in October 2022 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Atlas Fiduciary Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (111); pension and profit sharing plans (but not the plan participants or government pension plans) (11); high net worth individuals (10).

**Which custodians does Atlas Fiduciary Services, Inc. use?**
Atlas Fiduciary Services, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Bpas, Charles Schwab & Co., Inc. and Transamerica Capital, LLC as custodians holding 10% or more of its separately managed account assets.

**Does Atlas Fiduciary Services, Inc. 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/321271

**Does Atlas Fiduciary Services, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated July 13, 2026 says: "AFS generally does not impose a minimum relationship size."

**What changed in Atlas Fiduciary Services, Inc.'s recent Form ADV filings?**
In the March 2026 filing data: Employees performing advisory functions went from 2 to 4. Added an office in Portsmouth, NH.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated July 13, 2026)

- Account minimum: None

> AFS generally does not impose a minimum relationship size.

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

### Custodians (Schedule D, Section 5.K(3))
- Bpas
- Charles Schwab & Co., Inc.
- Transamerica Capital, LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $269,279,564
- Discretionary: $123,112,658
- Non-discretionary: $146,166,906

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 111 | $20,083,481 |
| High net worth individuals | 10 | $17,767,538 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 11 | $223,610,611 |
| Charitable organizations | Fewer than 5 | $7,817,934 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2022 (4 years)
- Employees: 6 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MA, NH
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the August 2026 filing
- Boston, MA
- Portsmouth, NH

### Websites listed on Form ADV (Item 1.I)
- afgplanning.com
- Facebook @afgplanning
- LinkedIn @john-heise-cfp®-clu®-chfc®-cltc®-aif®-8274402
- X @AFGPlanning

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $0 | 2 | May 3, 2022 |
| October 2023 | $197,897,398 | 2 | September 28, 2023 |
| October 2024 | $253,644,953 | 2 | June 5, 2024 |
| October 2025 | $257,745,978 | 3 | July 18, 2025 |
| October 2026 | $269,279,564 | 6 | July 13, 2026 |

Regulatory assets under management: $0 in the October 2022 data and $269,279,564 in the October 2026 data.
Total employees: 2 in October 2022 and 6 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Employees performing advisory functions went from 2 to 4.
- Added an office in Portsmouth, NH.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Atlas Fiduciary Services, Inc. (CRD 321271): Form ADV filing data as of October 2026.