{
  "crd_number": 123035,
  "slug": "polaris-financial-planning-llc-123035",
  "primary_business_name": "POLARIS FINANCIAL PLANNING, LLC.",
  "legal_name": "POLARIS FINANCIAL PLANNING, LLC.",
  "dbas": [],
  "city": null,
  "state": null,
  "country": null,
  "cbsa_code": null,
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2022-07-21",
  "years_registered": 4,
  "period": "2026-10-01",
  "filing_date": "2026-01-06",
  "carried_forward": false,
  "raum_total": 149680734.0,
  "raum_discretionary": 149680734.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 1,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 31666899.0,
      "count": 68
    },
    "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": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 118013835.0,
      "count": 61
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CA",
    "CO",
    "FL",
    "IL",
    "NE",
    "TX",
    "WA"
  ],
  "websites": [
    "https://polarisfinancialplanning.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/123035",
  "city_as_filed": null,
  "url": "https://advisorcensus.com/firm/polaris-financial-planning-llc-123035",
  "display_name": "Polaris Financial Planning, LLC.",
  "summary": "Polaris Financial Planning, LLC. is an SEC-registered investment advisory firm, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 6, 2026.",
  "citation": "AdvisorCensus. Polaris Financial Planning, LLC. (CRD 123035): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is Polaris Financial Planning, LLC. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Polaris Financial Planning, LLC. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Polaris Financial Planning, LLC. charge?",
      "a": "Its Form ADV Part 2A brochure dated January 6, 2026 states: Flat fee: $200 a year (accounts under $20,000). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Is Polaris Financial Planning, LLC. registered with the SEC or a state?",
      "a": "Polaris Financial Planning, LLC. is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 123035."
    },
    {
      "q": "How much does Polaris Financial Planning, LLC. manage?",
      "a": "Polaris Financial Planning, LLC. reports $149,680,734 in regulatory assets under management in its Form ADV filing dated January 6, 2026 (100% discretionary)."
    },
    {
      "q": "How have Polaris Financial Planning, LLC.'s assets and staff changed since 2022?",
      "a": "In the Form ADV data for Polaris Financial Planning, LLC.: Regulatory assets under management: $102,254,606 in the October 2022 data and $149,680,734 in the October 2026 data, up 46%. Total employees: 1 in October 2022 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Polaris Financial Planning, LLC. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (68); high net worth individuals (61)."
    },
    {
      "q": "Which custodians does Polaris Financial Planning, LLC. use?",
      "a": "Polaris Financial Planning, LLC.'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 Polaris Financial Planning, LLC. 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/123035"
    },
    {
      "q": "Does Polaris Financial Planning, LLC. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated January 6, 2026 says: \"Polaris Financial Planning requires a minimum of $2,000,000 in order to open an account. To reach this account minimum, clients can aggregate all household accounts.\""
    },
    {
      "q": "What changed in Polaris Financial Planning, LLC.'s recent Form ADV filings?",
      "a": "In the February 2026 filing data: Regulatory assets under management went from $130,759,343 to $149,680,734 (+14%)."
    }
  ],
  "filing_history": [
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 102254606.0,
      "total_employees": 1,
      "filing_date": "2022-09-02"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 100007636.0,
      "total_employees": 1,
      "filing_date": "2023-01-17"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 111267357.0,
      "total_employees": 1,
      "filing_date": "2024-01-04"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 130759343.0,
      "total_employees": 1,
      "filing_date": "2025-01-02"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 149680734.0,
      "total_employees": 1,
      "filing_date": "2026-01-06"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Regulatory assets under management went from $130,759,343 to $149,680,734 (+14%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated January 6, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$2,000,000",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Flat fee: $200 a year (accounts under $20,000)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $2,000,000"
        ],
        "quotes": [
          "Polaris Financial Planning requires a minimum of $2,000,000 in order to open an account. To reach this account minimum, clients can aggregate all household accounts."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $200 a year (accounts under $20,000)"
        ],
        "quotes": [
          "For accounts under $20,000 a flat minimum of $200 per year will be charged."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 2000000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "flat",
          "amount": 200.0,
          "min": null,
          "max": null,
          "period": "annual",
          "service": "accounts under $20,000"
        }
      ]
    },
    "quotes": [
      "Polaris Financial Planning requires a minimum of $2,000,000 in order to open an account. To reach this account minimum, clients can aggregate all household accounts.",
      "For accounts under $20,000 a flat minimum of $200 per year will be charged."
    ],
    "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/polaris-financial-planning-llc-123035.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 68,
      "fewer_than_5": false,
      "raum": 31666899.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 61,
      "fewer_than_5": false,
      "raum": 118013835.0
    },
    {
      "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": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "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": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "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/123035",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}