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N. Culbertson & Company have?","answer":"A. N. Culbertson & Company has 315 clients and manages $818 million for them, as of August 2026. They include 168 high-net-worth individuals, 143 individual clients and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 28 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does A. N. Culbertson & Company offer?","answer":"A. N. Culbertson & Company provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does A. N. Culbertson & Company charge?","answer":"A. N. Culbertson & Company charges 0.60%–1.00% a year for its Asset management and financial planning. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.","source":"A.N. CULBERTSON & COMPANY, INC., filed 4 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does A. N. Culbertson & Company use?","answer":"A. N. Culbertson & Company’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $795M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 28 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does A. N. Culbertson & Company have?","answer":"A. N. Culbertson & Company has 7 investment adviser representatives registered with state securities authorities, out of 9 employees, and 5 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does A. N. Culbertson & Company invest in?","answer":"At the end of its last fiscal year, A. N. Culbertson & Company’s separately managed accounts held 73% exchange-traded equities, 22% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents and 2% U.S. government and agency bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns A. N. Culbertson & Company?","answer":"A. N. Culbertson & Company’s direct owners are Sharon Culbertson, Elizabeth Culbertson, Jennifer Culbertson and Alan Culbertson, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 28 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does A. N. Culbertson & Company get paid?","answer":"A. N. Culbertson & Company is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is A. N. Culbertson & Company registered with the SEC?","answer":"Yes, A. N. Culbertson & Company has been registered with the SEC as an investment adviser since 8 April 1993. Its CRD number is 108341 and its SEC file number is 801-43581.","source":"Form ADV Part 1A, Item 1, filed 28 August 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact A. N. Culbertson & Company?","answer":"A. N. Culbertson & Company’s main office is at One Boars Head Pointe, Suite 101, Charlottesville, VA 22903-4612. Its phone number is 434-972-7766. 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