{
  "crd_number": 331675,
  "slug": "planwiser-financial-colorado-springs-co-331675",
  "primary_business_name": "PLANWISER FINANCIAL",
  "legal_name": "PLANWISER FINANCIAL, LLC",
  "dbas": [],
  "city": "Colorado Springs",
  "state": "CO",
  "country": "United States",
  "cbsa_code": "17820",
  "metro": {
    "cbsa_code": "17820",
    "common_name": "Colorado Springs",
    "msa_name": "Colorado Springs, CO",
    "path": "/advisors/co/colorado-springs"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2024-08-05",
  "years_registered": 2,
  "period": "2026-10-01",
  "filing_date": "2026-10-01",
  "carried_forward": false,
  "raum_total": 169144727.0,
  "raum_discretionary": 157758619.0,
  "raum_non_discretionary": 11386108.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 6,
  "advisory_employees": 2,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 73395262.0,
      "count": 164
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 11386108.0,
      "count": 9
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 77951760.0,
      "count": 47
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 6411597.0,
      "count": 4,
      "fewer_than_5": true
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AR",
    "AZ",
    "CA",
    "CO",
    "FL",
    "LA",
    "MA",
    "NE",
    "TX",
    "VA"
  ],
  "websites": [
    "https://linkedin.com/company/planwiser-colorado",
    "https://linkedin.com/in/james-mulzer",
    "https://linkedin.com/in/joel-top-financial-advisor",
    "https://planwiser.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/331675",
  "city_as_filed": "COLORADO SPRINGS",
  "url": "https://advisorcensus.com/firm/planwiser-financial-colorado-springs-co-331675",
  "display_name": "Planwiser Financial",
  "summary": "Planwiser Financial is an SEC-registered investment advisory firm in Colorado Springs, CO, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated October 1, 2026.",
  "citation": "AdvisorCensus. Planwiser Financial (CRD 331675): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-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",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services"
  ],
  "quick_answers": [
    {
      "q": "How is Planwiser Financial compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Planwiser Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "What does Planwiser Financial's brochure say about its fees?",
      "a": "Its Form ADV Part 2A brochure dated March 31, 2026 states: Asset-based fee: up to 1.3% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Planwiser Financial located?",
      "a": "Planwiser Financial's principal office is in Colorado Springs, CO, according to its Form ADV."
    },
    {
      "q": "Is Planwiser Financial registered with the SEC or a state?",
      "a": "Planwiser Financial is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 331675."
    },
    {
      "q": "How much does Planwiser Financial manage?",
      "a": "Planwiser Financial reports $169,144,727 in regulatory assets under management in its Form ADV filing dated October 1, 2026 (93% discretionary)."
    },
    {
      "q": "How have Planwiser Financial's assets and staff changed since 2024?",
      "a": "In the Form ADV data for Planwiser Financial: Regulatory assets under management: $0 in the October 2024 data and $169,144,727 in the October 2026 data. Total employees: 2 in October 2024 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Planwiser Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (164); high net worth individuals (47); pension and profit sharing plans (but not the plan participants or government pension plans) (9)."
    },
    {
      "q": "Which custodians does Planwiser Financial use?",
      "a": "Planwiser Financial'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."
    },
    {
      "q": "Does Planwiser Financial report any disciplinary disclosures?",
      "a": "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/331675"
    },
    {
      "q": "What changed in Planwiser Financial's recent Form ADV filings?",
      "a": "In the October 2026 filing data: Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 0.0,
      "total_employees": 2,
      "filing_date": "2024-07-05"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 134106066.0,
      "total_employees": 5,
      "filing_date": "2025-04-08"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 169144727.0,
      "total_employees": 6,
      "filing_date": "2026-10-01"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-08-01",
      "period_label": "August 2026",
      "notes": [
        "Registered or notice-filed in AR."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Regulatory assets under management went from $134,106,066 to $169,144,727 (+26%).",
        "Registered or notice-filed in AZ, LA."
      ]
    },
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Registered or notice-filed in MA."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 31, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": "1.3% of assets a year",
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": "$2,100",
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: up to 1.3% of assets a year (the maximum the brochure states)"
        ],
        "quotes": [
          "Our Firm offers investment management services for an annual fee based on the amount of assets under management. Our maximum annual fee is 1.30% with a maximum minimum reoccurring fee of $2,100 per year."
        ]
      },
      {
        "label": "Minimum annual fee",
        "statements": [
          "Minimum annual fee: $2,100"
        ],
        "quotes": [
          "Our Firm offers investment management services for an annual fee based on the amount of assets under management. Our maximum annual fee is 1.30% with a maximum minimum reoccurring fee of $2,100 per year."
        ]
      }
    ],
    "quotes": [
      "Our Firm offers investment management services for an annual fee based on the amount of assets under management. Our maximum annual fee is 1.30% with a maximum minimum reoccurring fee of $2,100 per year.",
      "Our Firm offers investment management services for an annual fee based on the amount of assets under management. Our maximum annual fee is 1.30% with a maximum minimum reoccurring fee of $2,100 per year."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/planwiser-financial-colorado-springs-co-331675.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 164,
      "fewer_than_5": false,
      "raum": 73395262.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 47,
      "fewer_than_5": false,
      "raum": 77951760.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 9,
      "fewer_than_5": false,
      "raum": 11386108.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 4,
      "fewer_than_5": true,
      "raum": 6411597.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "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/331675",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}