{
  "crd_number": 151014,
  "slug": "cypress-financial-planning-haddon-heights-nj-151014",
  "primary_business_name": "CYPRESS FINANCIAL PLANNING",
  "legal_name": "CYPRESS FINANCIAL PLANNING, LLC",
  "dbas": [],
  "city": "Haddon Heights",
  "state": "NJ",
  "country": "United States",
  "cbsa_code": "37980",
  "metro": {
    "cbsa_code": "37980",
    "common_name": "Philadelphia",
    "msa_name": "Philadelphia-Camden-Wilmington, PA-NJ-DE-MD",
    "path": "/advisors/pa/philadelphia"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2018-03-26",
  "years_registered": 8,
  "period": "2026-10-01",
  "filing_date": "2026-07-21",
  "carried_forward": false,
  "raum_total": 490443121.0,
  "raum_discretionary": 342513869.0,
  "raum_non_discretionary": 147929252.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 7,
  "advisory_employees": 6,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 845945.0,
      "count": null,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 181470985.0,
      "count": 319
    },
    "pension_profit_sharing": {
      "raum": 3521129.0,
      "count": 5
    },
    "high_net_worth_individuals": {
      "raum": 304605062.0,
      "count": 108
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "DE",
    "FL",
    "NC",
    "NJ",
    "NY",
    "PA",
    "TX",
    "VA"
  ],
  "websites": [
    "https://cypressplanning.com",
    "https://facebook.com/cypress-financial-planning-22875040",
    "https://linkedin.com/company/cypress-financial-planning"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/151014",
  "city_as_filed": "HADDON HEIGHTS",
  "url": "https://advisorcensus.com/firm/cypress-financial-planning-haddon-heights-nj-151014",
  "display_name": "Cypress Financial Planning",
  "summary": "Cypress Financial Planning is an SEC-registered investment advisory firm in Haddon Heights, NJ, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 21, 2026.",
  "citation": "AdvisorCensus. Cypress Financial Planning (CRD 151014): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Cypress Financial Planning compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cypress Financial Planning reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Cypress Financial Planning charge?",
      "a": "Its Form ADV Part 2A brochure dated May 11, 2026 states: Flat fee: $1,500 to $5,000 (Financial Planning); Flat fee: $1,500 to $8,000 (pension consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Cypress Financial Planning located?",
      "a": "Cypress Financial Planning's principal office is in Haddon Heights, NJ, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Cypress Financial Planning registered with the SEC or a state?",
      "a": "Cypress Financial Planning is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 151014."
    },
    {
      "q": "How much does Cypress Financial Planning manage?",
      "a": "Cypress Financial Planning reports $490,443,121 in regulatory assets under management in its Form ADV filing dated July 21, 2026 (70% discretionary)."
    },
    {
      "q": "How have Cypress Financial Planning's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Cypress Financial Planning: Regulatory assets under management: $198,622,578 in the October 2021 data and $490,443,121 in the October 2026 data, up 147%. Total employees: 5 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Cypress Financial Planning serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (319); high net worth individuals (108); pension and profit sharing plans (but not the plan participants or government pension plans) (5)."
    },
    {
      "q": "Which custodians does Cypress Financial Planning use?",
      "a": "Cypress Financial Planning's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Cypress Financial Planning 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/151014"
    },
    {
      "q": "Does Cypress Financial Planning state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated May 11, 2026 says: \"We have no minimum account size.\""
    },
    {
      "q": "What changed in Cypress Financial Planning's recent Form ADV filings?",
      "a": "In the July 2026 filing data: Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 198622578.0,
      "total_employees": 5,
      "filing_date": "2021-07-07"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 249727905.0,
      "total_employees": 6,
      "filing_date": "2022-07-08"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 233988878.0,
      "total_employees": 6,
      "filing_date": "2023-08-30"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 307722615.0,
      "total_employees": 6,
      "filing_date": "2024-09-06"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 394972037.0,
      "total_employees": 7,
      "filing_date": "2025-06-12"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 490443121.0,
      "total_employees": 7,
      "filing_date": "2026-07-21"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-07-01",
      "period_label": "July 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-06-01",
      "period_label": "June 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $394,972,037 to $490,443,121 (+24%).",
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in NC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated May 11, 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": null,
    "planning_fees": [
      "Flat fee: $1,500 to $5,000 (Financial Planning)",
      "Flat fee: $1,500 to $8,000 (pension consulting services)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "We have no minimum account size."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,500 to $5,000 (Financial Planning)"
        ],
        "quotes": [
          "Financial Planning fees will be charged as a fixed fee, typically ranging from $1,500 - $5,000, depending on the nature and complexity of each client’s circumstances."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,500 to $8,000 (pension consulting services)"
        ],
        "quotes": [
          "In lieu of an asset-based fee, we may charge a fixed fee ranging from $1,500 to $8,000. Generally, a fixed fee will not exceed 1.00% of the plan's assets unless there are special circumstances warranting a higher fee."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": null,
          "min": 1500.0,
          "max": 5000.0,
          "period": "one_time",
          "service": "Financial Planning"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 1500.0,
          "max": 8000.0,
          "period": "one_time",
          "service": "pension consulting services"
        }
      ]
    },
    "quotes": [
      "We have no minimum account size.",
      "Financial Planning fees will be charged as a fixed fee, typically ranging from $1,500 - $5,000, depending on the nature and complexity of each client’s circumstances.",
      "In lieu of an asset-based fee, we may charge a fixed fee ranging from $1,500 to $8,000. Generally, a fixed fee will not exceed 1.00% of the plan's assets unless there are special circumstances warranting a higher fee."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/cypress-financial-planning-haddon-heights-nj-151014.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 319,
      "fewer_than_5": false,
      "raum": 181470985.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 108,
      "fewer_than_5": false,
      "raum": 304605062.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 5,
      "fewer_than_5": false,
      "raum": 3521129.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": null,
      "fewer_than_5": true,
      "raum": 845945.0
    }
  ],
  "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/151014",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}