# Planwiser Financial

> 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.

- CRD: 331675
- Filed as: PLANWISER FINANCIAL
- Legal name: Planwiser Financial, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Colorado Springs, CO
- Filing period: October 2026
- Form ADV filing dated: October 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/331675
- AdvisorCensus page: https://advisorcensus.com/firm/planwiser-financial-colorado-springs-co-331675

## Quick answers

**How is Planwiser Financial compensated?**
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).

**What does Planwiser Financial's brochure say about its fees?**
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.

**Where is Planwiser Financial located?**
Planwiser Financial's principal office is in Colorado Springs, CO, according to its Form ADV.

**Is Planwiser Financial registered with the SEC or a state?**
Planwiser Financial is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 331675.

**How much does Planwiser Financial manage?**
Planwiser Financial reports $169,144,727 in regulatory assets under management in its Form ADV filing dated October 1, 2026 (93% discretionary).

**How have Planwiser Financial's assets and staff changed since 2024?**
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.

**What types of clients does Planwiser Financial serve?**
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).

**Which custodians does Planwiser Financial use?**
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.

**Does Planwiser Financial 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/331675

**What changed in Planwiser Financial's recent Form ADV filings?**
In the October 2026 filing data: Updated its list of owners and control persons (Schedule A).

## 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)

- Asset-based fee: up to 1.3% of assets a year (the maximum the brochure states)

> 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.

- Minimum annual fee: $2,100

> 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.

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.

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: $169,144,727
- Discretionary: $157,758,619
- Non-discretionary: $11,386,108

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 164 | $73,395,262 |
| High net worth individuals | 47 | $77,951,760 |
| 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) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 9 | $11,386,108 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 4 | $6,411,597 |
| 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

### Firm details
- Registered since: 2024 (2 years)
- Employees: 6 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AR, AZ, CA, CO, FL, LA, MA, NE, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- planwiser.com
- LinkedIn @planwiser-colorado
- LinkedIn @james-mulzer
- LinkedIn @joel-top-financial-advisor

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $0 | 2 | July 5, 2024 |
| October 2025 | $134,106,066 | 5 | April 8, 2025 |
| October 2026 | $169,144,727 | 6 | October 1, 2026 |

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.

## Changes in the filing (last 12 months)

### October 2026
- Updated its list of owners and control persons (Schedule A).

### August 2026
- Registered or notice-filed in AR.

### April 2026
- Regulatory assets under management went from $134,106,066 to $169,144,727 (+26%).
- Registered or notice-filed in AZ, LA.

### February 2026
- Registered or notice-filed in MA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Planwiser Financial (CRD 331675): Form ADV filing data as of October 2026.