# Polaris Financial Planning, LLC.

> 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.

- CRD: 123035
- Filed as: POLARIS FINANCIAL PLANNING, LLC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: January 6, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/123035
- AdvisorCensus page: https://advisorcensus.com/firm/polaris-financial-planning-llc-123035

## Quick answers

**How is Polaris Financial Planning, LLC. compensated?**
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).

**How much does Polaris Financial Planning, LLC. charge?**
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.

**Is Polaris Financial Planning, LLC. registered with the SEC or a state?**
Polaris Financial Planning, LLC. is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 123035.

**How much does Polaris Financial Planning, LLC. manage?**
Polaris Financial Planning, LLC. reports $149,680,734 in regulatory assets under management in its Form ADV filing dated January 6, 2026 (100% discretionary).

**How have Polaris Financial Planning, LLC.'s assets and staff changed since 2022?**
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.

**What types of clients does Polaris Financial Planning, LLC. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (68); high net worth individuals (61).

**Which custodians does Polaris Financial Planning, LLC. use?**
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.

**Does Polaris Financial Planning, 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/123035

**Does Polaris Financial Planning, LLC. state an account minimum?**
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."

**What changed in Polaris Financial Planning, LLC.'s recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $130,759,343 to $149,680,734 (+14%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 6, 2026)

- Account minimum: $2,000,000

> 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.

- Flat fee: $200 a year (accounts under $20,000)

> For accounts under $20,000 a flat minimum of $200 per year will be charged.

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: $149,680,734
- Discretionary: $149,680,734
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 68 | $31,666,899 |
| High net worth individuals | 61 | $118,013,835 |
| 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) | 0 | $0 |
| 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 | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2022 (4 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, IL, NE, TX, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- polarisfinancialplanning.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $102,254,606 | 1 | September 2, 2022 |
| October 2023 | $100,007,636 | 1 | January 17, 2023 |
| October 2024 | $111,267,357 | 1 | January 4, 2024 |
| October 2025 | $130,759,343 | 1 | January 2, 2025 |
| October 2026 | $149,680,734 | 1 | January 6, 2026 |

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.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $130,759,343 to $149,680,734 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Polaris Financial Planning, LLC. (CRD 123035): Form ADV filing data as of October 2026.