# Endurance Financial Planning, LLC

> Endurance Financial Planning, LLC is an SEC-registered investment advisory firm in McAllen, TX, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 20, 2026.

- CRD: 305583
- Filed as: ENDURANCE FINANCIAL PLANNING, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: McAllen, TX
- Filing period: October 2026
- Form ADV filing dated: July 20, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/305583
- AdvisorCensus page: https://advisorcensus.com/firm/endurance-financial-planning-llc-mcallen-tx-305583

## Quick answers

**How is Endurance Financial Planning, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Endurance Financial Planning, LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**Where is Endurance Financial Planning, LLC located?**
Endurance Financial Planning, LLC's principal office is in McAllen, TX, according to its Form ADV; the August 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Endurance Financial Planning, LLC registered with the SEC or a state?**
Endurance Financial Planning, LLC is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 305583.

**How much does Endurance Financial Planning, LLC manage?**
Endurance Financial Planning, LLC reports $101,773,387 in regulatory assets under management in its Form ADV filing dated July 20, 2026 (100% discretionary).

**What types of clients does Endurance Financial Planning, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (566); high net worth individuals (22); corporations or other businesses not listed above (5).

**Which custodians does Endurance Financial Planning, LLC use?**
Endurance Financial Planning, LLC'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.

**Does Endurance Financial Planning, LLC 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/305583

**Does Endurance Financial Planning, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated June 30, 2026 says: "We do not have a minimum account size requirement."

**What changed in Endurance Financial Planning, LLC's recent Form ADV filings?**
In the September 2026 filing data: Newly registered with the SEC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated June 30, 2026)

- Account minimum: None

> We do not have a minimum account size requirement.

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

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

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: $101,773,387
- Discretionary: $101,506,500
- Non-discretionary: $266,887

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 566 | $64,929,324 |
| High net worth individuals | 22 | $36,548,481 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 2 | $266,887 |
| Charitable organizations | 1 | $27,597 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 5 | $1,098 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2026 (0 years)
- Employees: 4 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, LA, TX
- 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
- Kingwood, TX

### Websites listed on Form ADV (Item 1.I)
- bnihouston.com/en- US/memberdetails
- endurancefin.com
- feeonlynetwork.com/financial-advisor/jose-antonio- cadena
- feeonlynetwork.com/financial-advisor/rosa-ybarra
- letsmakeaplan.org/find-a-cfp-professional/certified- professional-profile/143fd579-77dd-47b6-ae1a-aac2b57803c0
- letsmakeaplan.org/find-a-cfp-professional/certified- professional-profile/d9f3d026-6a2b-4cb3-b5d4-ab1d35ecb591
- napfa.org/member/113952/21693
- napfa.org/member/30518/21693
- Facebook @endurancefin
- Facebook @joseacadenafinancialplanner
- Facebook @sgarciaphd
- Facebook @timothyflemingfinancialadvisor

## Changes in the filing (last 12 months)

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

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Endurance Financial Planning, LLC (CRD 305583): Form ADV filing data as of October 2026.