{
  "crd_number": 111946,
  "slug": "vip-planners-inc-roanoke-va-111946",
  "primary_business_name": "VIP PLANNERS, INC.",
  "legal_name": "VIP PLANNERS, INC.",
  "dbas": [],
  "city": "Roanoke",
  "state": "VA",
  "country": "United States",
  "cbsa_code": "40220",
  "metro": {
    "cbsa_code": "40220",
    "common_name": "Roanoke",
    "msa_name": "Roanoke, VA",
    "path": "/advisors/va/roanoke"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2025-09-09",
  "years_registered": 1,
  "period": "2026-10-01",
  "filing_date": "2026-03-25",
  "carried_forward": false,
  "raum_total": 126165535.0,
  "raum_discretionary": 126165535.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 4,
  "advisory_employees": 3,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 865767.0,
      "count": 3,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 36570611.0,
      "count": 175
    },
    "high_net_worth_individuals": {
      "raum": 88729157.0,
      "count": 31
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "NC",
    "TX",
    "VA"
  ],
  "websites": [
    "https://vipplanners.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/111946",
  "city_as_filed": "ROANOKE",
  "url": "https://advisorcensus.com/firm/vip-planners-inc-roanoke-va-111946",
  "display_name": "VIP Planners, Inc.",
  "summary": "VIP Planners, Inc. is an SEC-registered investment advisory firm in Roanoke, VA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 25, 2026.",
  "citation": "AdvisorCensus. VIP Planners, Inc. (CRD 111946): 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"
  ],
  "quick_answers": [
    {
      "q": "How is VIP Planners, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), VIP Planners, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does VIP Planners, Inc. charge?",
      "a": "Its Form ADV Part 2A brochure dated February 18, 2026 states: Hourly rate: $375 an hour (Follow-up implementation work). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is VIP Planners, Inc. located?",
      "a": "VIP Planners, Inc.'s principal office is in Roanoke, VA, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is VIP Planners, Inc. registered with the SEC or a state?",
      "a": "VIP Planners, Inc. is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 111946."
    },
    {
      "q": "How much does VIP Planners, Inc. manage?",
      "a": "VIP Planners, Inc. reports $126,165,535 in regulatory assets under management in its Form ADV filing dated March 25, 2026 (100% discretionary)."
    },
    {
      "q": "What types of clients does VIP Planners, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (175); high net worth individuals (31); charitable organizations (3)."
    },
    {
      "q": "Which custodians does VIP Planners, Inc. use?",
      "a": "VIP Planners, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists National Financial Services LLC as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does VIP Planners, Inc. 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/111946"
    },
    {
      "q": "Does VIP Planners, Inc. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated February 18, 2026 says: \"The minimum account size is $100,000 of assets under management to maintain their relationship with us.\""
    },
    {
      "q": "What changed in VIP Planners, Inc.'s recent Form ADV filings?",
      "a": "In the March 2026 filing data: Regulatory assets under management went from $104,539,393 to $126,165,535 (+21%). Added an office in Forest, VA."
    }
  ],
  "filing_history": [],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $104,539,393 to $126,165,535 (+21%).",
        "Added an office in Forest, VA."
      ]
    },
    {
      "period": "2026-01-01",
      "period_label": "January 2026",
      "notes": [
        "Employees performing advisory functions went from 2 to 3."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Newly registered with the SEC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 18, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$100,000",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $375 an hour (Follow-up implementation work)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $100,000"
        ],
        "quotes": [
          "The minimum account size is $100,000 of assets under management to maintain their relationship with us."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $375 an hour (Follow-up implementation work)"
        ],
        "quotes": [
          "Follow -up implementation work is billed separately at a rate of $375 per hour and is also negotiable."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 100000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 375.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "Follow-up implementation work"
        }
      ]
    },
    "quotes": [
      "The minimum account size is $100,000 of assets under management to maintain their relationship with us.",
      "Follow -up implementation work is billed separately at a rate of $375 per hour and is also negotiable."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "National Financial Services LLC",
      "name_as_filed": "NATIONAL FINANCIAL SERVICES LLC",
      "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/vip-planners-inc-roanoke-va-111946.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 175,
      "fewer_than_5": false,
      "raum": 36570611.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 31,
      "fewer_than_5": false,
      "raum": 88729157.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 3,
      "fewer_than_5": true,
      "raum": 865767.0
    }
  ],
  "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/111946",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}