# B4 Financial Planning

> B4 Financial Planning is a state-registered investment advisory firm, registered since 1999, reporting under $25 million in regulatory assets under management in its Form ADV filing dated April 6, 2026.

- CRD: 115871
- Filed as: B4 FINANCIAL PLANNING
- Legal name: Gerald W. Barnard
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Registered in Virginia
- Filing period: October 2026
- Form ADV filing dated: April 6, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/115871
- AdvisorCensus page: https://advisorcensus.com/firm/b4-financial-planning-115871

## Quick answers

**How is B4 Financial Planning compensated?**
On its Form ADV (Item 5.E, October 2026), B4 Financial Planning reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**Is B4 Financial Planning registered with the SEC or a state?**
B4 Financial Planning is a state-registered investment advisory firm, registered since 1999. Status as filed: APPROVED. CRD 115871.

**How much does B4 Financial Planning manage?**
B4 Financial Planning reports $20,960,000 in regulatory assets under management in its Form ADV filing dated April 6, 2026 (100% discretionary).

**What types of clients does B4 Financial Planning serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (19); high net worth individuals (7).

**Does B4 Financial Planning report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/115871

## From the Form ADV filing

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

### Regulatory assets under management (Item 5.F)
- Total: $20,960,000
- Discretionary: $20,960,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 19 | $12,959,437 |
| High net worth individuals | 7 | $8,000,563 |

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

### Firm details
- Registered since: 1999 (27 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. B4 Financial Planning (CRD 115871): Form ADV filing data as of October 2026.