Fiduciary Financial Advisors

• A percentage of assets under your management
• Hourly charges
• Fixed fees (other than subscription fees)

Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ

The brochure lists different fees for different services or strategies. See the firm's brochure (dated March 31, 2026) for its fees and any account minimum, on the SEC's IAPD site.

$1,329,448,284 as of October 2026, filing dated April 14, 2026.

A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means

A firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.

• 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
• Selection of other advisers (including private fund managers)
• Other

Registration

SEC-registered investment adviser. Status as filed: Approved.

Registered since

2021 (5 years)

Employees

Total: 50. Performing investment advisory functions: 50.

Wrap fee program participation

No.

Custodians (Schedule D, Section 5.K(3))

Charles Schwab & Co., Inc.Fidelity Brokerage Services 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.

Other offices (Schedule D, Section 1.F)

6 other offices, as of the May 2026 filing

Austin, TXCarmel, INHouston, TXHuntsville, ALKalamazoo, MINaples, FL

States registered or notice-filed

27 states or jurisdictions

ALAZCACOFLGAILINLAMAMDMIMNNCNENHNJNYOHORPASCTNTXVAWAWI

SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration

None Reports no disclosure items on Form ADV Item 11. View on IAPD.

Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures

Regulatory assets under management: $174,100,000 in the October 2021 data and $1,329,448,284 in the October 2026 data, up 664%.

Total employees: 12 in October 2021 and 50 in October 2026.

As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.

1. May 2026
   • No longer lists an office in Ventura, CA.
2. April 2026
   • No longer lists the business name Luminous Money.
   • Changed its legal name from Action Point Financial Planning, LLC to Fiduciary Financial Advisors.
   • Employees performing advisory functions went from 38 to 50.
   • Regulatory assets under management went from $1,165,890,928 to $1,329,448,284 (+14%).
   • Added an office in Houston, TX.
   • Added an office in Kalamazoo, MI.
   • Added an office in Ventura, CA.
   • No longer lists an office in Holland, MI.
   • Registered or notice-filed in AZ, LA.
3. December 2025
   • Item 11 disclosure answers changed: 0 yes answers, previously 3 (now no: 11.E(1), 11.E(2), 11.E(4)).
   • Registered or notice-filed in PA.
4. November 2025
   • Added the business name Luminous Money.
   • Updated its list of owners and control persons (Schedule A).

Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.