# Nicholas Ippolito

> Nicholas Ippolito is a fee-only financial advisor at S.E.E.D. Planning Group in Binghamton, New York. Nicholas focuses on retirement planning, tax planning and estate & legacy planning. S.E.E.D. Planning Group reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/nicholas-ippolito/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** S.E.E.D. Planning Group
- **Based in:** Binghamton, New York
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $568.0M across 2,027 accounts
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **CRD:** 8170150 (https://adviserinfo.sec.gov/individual/summary/8170150)
- **SEC registration:** Investment adviser representative in NY
- **Exams passed:** Series 65 (2025)
- **Firm size:** 28 employees
- **Disclosures:** None reported
- **Website:** https://401ktime.com/

## Frequently asked questions

### Is Nicholas Ippolito a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Nicholas holds no broker registration, and S.E.E.D. Planning Group reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Nicholas charge for financial advice?

Nicholas's firm, S.E.E.D. Planning Group, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Nicholas Ippolito based?

Nicholas Ippolito is based in Binghamton, New York.

### What does Nicholas specialize in?

Nicholas's specialties include retirement planning, tax planning and estate & legacy planning.

### Is Nicholas Ippolito registered with the SEC?

Yes. Nicholas Ippolito is registered as an investment adviser representative in NY (CRD 8170150), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does S.E.E.D. Planning Group manage?

S.E.E.D. Planning Group reports $568.0M across 2,027 accounts in assets under management.

### How do I contact Nicholas Ippolito?

Through Nicholas's website, 401ktime.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/8170150): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://401ktime.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.