# Financial Decisions, LLC

> Financial Decisions, LLC is an SEC-registered investment advisory firm in New York, NY, registered since 1991, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 17, 2026.

- CRD: 107755
- Filed as: FINANCIAL DECISIONS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: New York, NY
- Filing period: October 2026
- Form ADV filing dated: August 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/107755
- AdvisorCensus page: https://advisorcensus.com/firm/financial-decisions-llc-new-york-ny-107755

## Quick answers

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

**What does Financial Decisions, LLC's brochure say about its fees?**
Its Form ADV Part 2A brochure dated February 20, 2026 states: Asset-based fee: 1% of assets a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Financial Decisions, LLC located?**
Financial Decisions, LLC's principal office is in New York, NY, according to its Form ADV.

**Is Financial Decisions, LLC registered with the SEC or a state?**
Financial Decisions, LLC is an SEC-registered investment advisory firm, registered since 1991. Status as filed: Approved. CRD 107755.

**How much does Financial Decisions, LLC manage?**
Financial Decisions, LLC reports $327,661,532 in regulatory assets under management in its Form ADV filing dated August 17, 2026 (100% discretionary).

**How have Financial Decisions, LLC's assets and staff changed since 2021?**
In the Form ADV data for Financial Decisions, LLC: Regulatory assets under management: $299,478,188 in the October 2021 data and $327,661,532 in the October 2026 data, up 9%. Total employees: 8 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Decisions, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (120); individuals (other than high net worth individuals) (16); pension and profit sharing plans (but not the plan participants or government pension plans) (10).

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

**Does Financial Decisions, 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/107755

**Does Financial Decisions, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated February 20, 2026 says: "Financial Decisions will generally require a minimum account size of $1,000,000.00 for such investment supervisory services." "Financial Decisions, in its sole discretion, may charge a lesser investment management fee or reduce or waive its minimum based upon certain criteria"

## 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 February 20, 2026)

- Asset-based fee: 1% of assets a year

> For those clients that engage Financial Decisions to provide investment supervisory services based upon a percentage of the market value of the assets under management, the investment management fee charged shall generally be one percent (1.00%) of the market value of the assets under management.

- Account minimum: $1,000,000 (the brochure says it may be waived or negotiated)

> Financial Decisions will generally require a minimum account size of $1,000,000.00 for such investment supervisory services.

> Financial Decisions, in its sole discretion, may charge a lesser investment management fee or reduce or waive its minimum based upon certain criteria

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.
- National Financial 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: $327,661,532
- Discretionary: $327,655,298
- Non-discretionary: $6,234

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 16 | $32,766,153 |
| High net worth individuals | 120 | $284,089,286 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 10 | $2,514,392 |
| Charitable organizations | 6 | $1,152,291 |
| Corporations or other businesses not listed above | Fewer than 5 | $7,139,410 |

### 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
- Selection of other advisers (including private fund managers)
- Other

### Firm details
- Registered since: 1991 (34 years)
- Employees: 8 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CT, FL, MA, NJ, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- findec.net
- LinkedIn @FINANCIAL-DECISIONS-INC-

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $299,478,188 | 8 | March 12, 2021 |
| October 2022 | $325,461,243 | 8 | April 14, 2022 |
| October 2023 | $273,275,090 | 8 | March 10, 2023 |
| October 2024 | $302,509,632 | 8 | April 12, 2024 |
| October 2025 | $321,159,838 | 8 | June 9, 2025 |
| October 2026 | $327,661,532 | 8 | August 17, 2026 |

Regulatory assets under management: $299,478,188 in the October 2021 data and $327,661,532 in the October 2026 data, up 9%.
Total employees: 8 in October 2021 and 8 in October 2026.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Decisions, LLC (CRD 107755): Form ADV filing data as of October 2026.