# Fiduciary Financial Advisors

> Fiduciary Financial Advisors is an SEC-registered investment advisory firm in Grand Rapids, MI, registered since 2021, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated April 14, 2026.

- CRD: 172103
- Filed as: FIDUCIARY FINANCIAL ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Grand Rapids, MI
- Filing period: October 2026
- Form ADV filing dated: April 14, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/172103
- AdvisorCensus page: https://advisorcensus.com/firm/fiduciary-financial-advisors-grand-rapids-mi-172103

## Quick answers

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

**How much does Fiduciary Financial Advisors charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Flat fee: $100,000 (financial planning services); Hourly rate: $500 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Fiduciary Financial Advisors located?**
Fiduciary Financial Advisors' principal office is in Grand Rapids, MI, according to its Form ADV; the May 2026 filing also lists 6 other offices (Schedule D, Section 1.F).

**Is Fiduciary Financial Advisors registered with the SEC or a state?**
Fiduciary Financial Advisors is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 172103.

**How much does Fiduciary Financial Advisors manage?**
Fiduciary Financial Advisors reports $1,329,448,284 in regulatory assets under management in its Form ADV filing dated April 14, 2026 (100% discretionary).

**How have Fiduciary Financial Advisors' assets and staff changed since 2021?**
In the Form ADV data for Fiduciary Financial Advisors: 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. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Fiduciary Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (1,609); high net worth individuals (555); pooled investment vehicles (other than investment companies and business development companies) (9).

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

**Does Fiduciary Financial Advisors 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/172103

**What changed in Fiduciary Financial Advisors' recent Form ADV filings?**
In the May 2026 filing data: No longer lists an office in Ventura, CA.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Flat fee: $100,000 (financial planning services)

> Our Firm provides financial planning services under a fixed or hourly fee arrangement. This arrangement charges a mutually agreed-upon fee for financial planning services for a maximum flat fee $100,000

- Hourly rate: $500 an hour (financial planning services)

> Our Firm provides financial planning services under a fixed or hourly fee arrangement. This arrangement charges a mutually agreed-upon fee for financial planning services for a maximum flat fee $100,000 or an hourly fee of no more than $500 per hour

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.
- 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.

### Regulatory assets under management (Item 5.F)
- Total: $1,329,448,284
- Discretionary: $1,329,448,284
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 1,609 | $348,966,502 |
| High net worth individuals | 555 | $961,024,310 |
| 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) | 9 | $9,968,987 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $3,055,176 |
| Charitable organizations | 9 | $6,433,309 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2021 (5 years)
- Employees: 50 total, 50 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, AZ, CA, CO, FL, GA, IL, IN, LA, MA, MD, MI, MN, NC, NE, NH, NJ, NY, OH, OR, PA, SC, TN, TX, VA, WA, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the May 2026 filing
- Austin, TX
- Carmel, IN
- Houston, TX
- Huntsville, AL
- Kalamazoo, MI
- Naples, FL

### Websites listed on Form ADV (Item 1.I)
- forfiduciary.com
- Facebook @FiduciaryFinancial
- Instagram @fiduciary_financial_advisors
- LinkedIn @4793583

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $174,100,000 | 12 | September 22, 2021 |
| October 2022 | $323,699,000 | 16 | June 30, 2022 |
| October 2023 | $352,190,255 | 27 | July 10, 2023 |
| October 2024 | $555,420,848 | 27 | September 18, 2024 |
| October 2025 | $1,165,890,928 | 38 | March 26, 2025 |
| October 2026 | $1,329,448,284 | 50 | April 14, 2026 |

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.

## Changes in the filing (last 12 months)

### May 2026
- No longer lists an office in Ventura, CA.

### 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.

### 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.

### November 2025
- Added the business name Luminous Money.
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Fiduciary Financial Advisors (CRD 172103): Form ADV filing data as of October 2026.