{"url":"https://nivawealth.com/firms/bck-partners-181512","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/181512","regulatoryAum":212670459,"crd":"181512","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4122970","suffix":null,"lastName":"CREATH","firstName":"SARAH","middleName":"JEAN"},{"crd":"4254971","suffix":"JR.","lastName":"KAFFENBARGER","firstName":"JAMES","middleName":"ALLEN"}],"total":2,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-03-01","regulatoryAum":154963891,"clients":192,"employees":6,"offices":1},{"filedOn":"2022-03-25","regulatoryAum":191516171,"clients":205,"employees":7,"offices":1},{"filedOn":"2023-03-10","regulatoryAum":168057701,"clients":217,"employees":7,"offices":1},{"filedOn":"2024-03-20","regulatoryAum":191102881,"clients":223,"employees":7,"offices":1},{"filedOn":"2025-03-21","regulatoryAum":185048089,"clients":166,"employees":5,"offices":1},{"filedOn":"2026-03-12","regulatoryAum":212670459,"clients":180,"employees":5,"offices":1}],"secFileNumber":"801-107484","legalName":"BCK 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since May 2015."},{"label":"Sarah Creath","detail":"Owner in the 50% to 75% ownership band and a control person, since May 2015."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"New York","offices":1,"addresses":[{"street":"27 East Market Street","city":"Corning","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"607-654-1182","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"U.S. government/agency bonds","percent":4},{"label":"U.S. state and local 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They include 102 individual clients, 76 high-net-worth individuals, and 2 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does BCK Partners offer?","answer":"BCK Partners provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does BCK Partners charge?","answer":"BCK Partners charges 0.70%–1.50% a year for its Comprehensive Financial Management. The fee is billed in advance and is negotiable.","source":"FORM ADV 2A FIRM BROCHURE, filed 12 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does BCK Partners use?","answer":"BCK Partners’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $213M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does BCK Partners have?","answer":"BCK Partners has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 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 BCK Partners invest in?","answer":"At the end of its last fiscal year, BCK Partners’ separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 5% exchange-traded equities, 4% U.S. government and agency bonds, 4% cash and equivalents and 3% state and local 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 BCK Partners?","answer":"BCK Partners’ direct owners are James Kaffenbarger (50% to 75%) and Sarah Creath (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 12 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does BCK Partners get paid?","answer":"BCK Partners 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 BCK Partners registered with the SEC?","answer":"Yes, BCK Partners has been registered with the SEC as an investment adviser since 23 March 2016. Its CRD number is 181512 and its SEC file number is 801-107484.","source":"Form ADV Part 1A, Item 1, filed 12 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact BCK Partners?","answer":"BCK Partners’ main office is at 27 East Market Street, Corning, NY 14830. Its phone number is 607-654-1182. Its website is bckpartners.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/bck-partners-181512/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-20","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1845867/000208585326000766/0002085853-26-000766-index.html","totalValue":207442393,"positionCount":28,"top10Share":0.9581756222798683,"top10":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":52774979,"shares":76841,"shareType":"SH","priorValue":46081100,"priorShares":77117},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":47880772,"shares":605856,"shareType":"SH","priorValue":45204086,"priorShares":570255},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}