{
  "crd_number": 172396,
  "slug": "panoramic-financial-172396",
  "primary_business_name": "PANORAMIC FINANCIAL",
  "legal_name": "PANORAMIC FINANCIAL ADVICE INC.",
  "dbas": [],
  "city": null,
  "state": null,
  "country": null,
  "cbsa_code": null,
  "metro": null,
  "registration_type": "state",
  "registration_status": "APPROVED",
  "registration_date": "2014-08-07",
  "years_registered": 12,
  "period": "2026-10-01",
  "filing_date": "2026-05-08",
  "carried_forward": false,
  "raum_total": 93287526.0,
  "raum_discretionary": 93287526.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "25m_100m",
  "raum_band_label": "$25 million to $100 million",
  "total_employees": 4,
  "advisory_employees": 2,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 45841374.0,
      "count": 111
    },
    "high_net_worth_individuals": {
      "raum": 47446152.0,
      "count": 32
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 2,
  "states_registered": [
    "CA",
    "NE",
    "TX"
  ],
  "websites": [
    "https://facebook.com/PANORAMICFINANCIAL",
    "https://instagram.com/panoramicfinancial",
    "https://linkedin.com/in/andrew-mcfadden-cfp%C2%AE-mba-3a78b82b",
    "https://panoramicfinancial.com",
    "https://twitter.com/ANDREWMCFADDEN",
    "https://youtube.com/@panoramicfinancial"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/172396",
  "disclosure_items": [
    {
      "item": "11.D(2)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?"
    },
    {
      "item": "11.D(4)",
      "question": "In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    }
  ],
  "city_as_filed": null,
  "url": "https://advisorcensus.com/firm/panoramic-financial-172396",
  "display_name": "Panoramic Financial",
  "summary": "Panoramic Financial is a state-registered investment advisory firm, registered since 2014, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated May 8, 2026.",
  "citation": "AdvisorCensus. Panoramic Financial (CRD 172396): Form ADV filing data as of October 2026.",
  "registration_type_label": "State-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Panoramic Financial compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Panoramic Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure."
    },
    {
      "q": "Is Panoramic Financial registered with the SEC or a state?",
      "a": "Panoramic Financial is a state-registered investment advisory firm, registered since 2014. Status as filed: APPROVED. CRD 172396."
    },
    {
      "q": "How much does Panoramic Financial manage?",
      "a": "Panoramic Financial reports $93,287,526 in regulatory assets under management in its Form ADV filing dated May 8, 2026 (100% discretionary)."
    },
    {
      "q": "What types of clients does Panoramic Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (111); high net worth individuals (32)."
    },
    {
      "q": "Does Panoramic Financial report any disciplinary disclosures?",
      "a": "Reports 2 disclosure items on Form ADV Item 11: yes answers to 11.D(2) (another regulator's finding of a violation) and 11.D(4) (another regulator's order in the past ten years). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/172396"
    }
  ],
  "filing_history": [],
  "recent_changes": [],
  "fees_from_brochure": null,
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/panoramic-financial-172396.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 111,
      "fewer_than_5": false,
      "raum": 45841374.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 32,
      "fewer_than_5": false,
      "raum": 47446152.0
    }
  ],
  "disclosure_line": "Reports 2 disclosure items on Form ADV Item 11.",
  "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/172396",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}