{"url":"https://nivawealth.com/firms/bcs-financial-115489","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/115489","regulatoryAum":987373384,"crd":"115489","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8307561","suffix":null,"lastName":"Bennett","firstName":"Ethan","middleName":null},{"crd":"4378340","suffix":null,"lastName":"BRANDON","firstName":"JOHN","middleName":"DOUGLAS"},{"crd":"5389805","suffix":null,"lastName":"CLAY","firstName":"NICHOLAS","middleName":"ANDREW"},{"crd":"7973841","suffix":null,"lastName":"Farmer","firstName":"Andrew","middleName":"Harrison"},{"crd":"6161633","suffix":null,"lastName":"GOODWIN","firstName":"NATHAN","middleName":"CHRISTOPHER"},{"crd":"4476411","suffix":null,"lastName":"LINN","firstName":"SCOTT","middleName":"MASON"},{"crd":"5421493","suffix":null,"lastName":"O'DELL","firstName":"MYRA","middleName":"ALYNE"},{"crd":"7926551","suffix":null,"lastName":"Parton","firstName":"Eliza","middleName":"Brooke"}],"total":8,"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":"2021-03-23","regulatoryAum":426271543,"clients":470,"employees":10,"offices":2},{"filedOn":"2022-03-25","regulatoryAum":517306258,"clients":556,"employees":11,"offices":2},{"filedOn":"2023-08-08","regulatoryAum":521560784,"clients":657,"employees":11,"offices":2},{"filedOn":"2024-03-25","regulatoryAum":599371725,"clients":719,"employees":13,"offices":2},{"filedOn":"2025-03-12","regulatoryAum":811578500,"clients":796,"employees":12,"offices":2},{"filedOn":"2026-03-13","regulatoryAum":987373384,"clients":848,"employees":12,"offices":1}],"secFileNumber":"801-60905","legalName":"BCS Financial, LLC","displayName":"BCS Financial","slug":"bcs-financial-115489","website":"https://bcswealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/bcs-wealth-management/","founded":"1998","organization":"Tennessee limited liability company","fiscalYearEnd":"December","headquarters":{"street":"541 Sid Martin Road, Suite A","city":"Johnson City","state":"TN","stateName":"Tennessee","country":"United States","postalCode":"37615"},"tradeNames":["Still Waters Family Office"],"registration":{"secApproved":"8 February 2002","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1061296.6747572816,"staff":{"employees":12,"advisory":7,"brokerDealerReps":3,"insuranceAgents":4,"promoters":0},"aum":{"regulatory":987373384,"discretionary":897051756,"discretionaryAccounts":1831,"nonDiscretionary":90321628,"nonDiscretionaryAccounts":31,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":16},"clientTypes":[{"label":"Individuals (other than HNW)","clients":622,"regulatoryAum":177599811},{"label":"High-net-worth individuals","clients":202,"regulatoryAum":696908649},{"label":"Pension and profit-sharing plans","clients":17,"regulatoryAum":91339710},{"label":"Charitable organizations","clients":7,"regulatoryAum":21525214}],"feePrograms":[{"role":"main","program":"Portfolio Management Fees","feeBasis":"marginal","fee_tiers":[{"to":500000,"pct":1.25,"from":0},{"to":1000000,"pct":1,"from":500000},{"to":2500000,"pct":0.9,"from":1000000},{"to":5000000,"pct":0.75,"from":2500000},{"to":10000000,"pct":0.65,"from":5000000},{"to":null,"pct":0.55,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1018521","versionId":1018521,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-13","documentName":"BCS WEALTH MANAGEMENT - 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The fee is billed in advance, is negotiable and requires an account of at least $350,000.","source":"BCS WEALTH MANAGEMENT - ADV PART 2A - MARCH 2026, filed 13 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does BCS Financial use?","answer":"BCS Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $894M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does BCS Financial have?","answer":"BCS Financial has 7 investment adviser representatives registered with state securities authorities, out of 12 employees, and 7 perform investment advisory functions. 3 employees are registered representatives of a broker-dealer and 4 employees are 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 BCS Financial invest in?","answer":"At the end of its last fiscal year, BCS Financial’s separately managed accounts held 59% exchange-traded equities, 23% registered funds (mutual funds, ETFs, BDCs), 12% cash and equivalents, 5% other and 1% state and local bonds. The 5% other category is described as: Alternative Investments.","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":"Does BCS Financial have a minimum investment?","answer":"Yes, BCS Financial’s minimum account size for its Portfolio Management Fees is $350K.","source":"BCS WEALTH MANAGEMENT - ADV PART 2A - MARCH 2026, filed 13 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns BCS Financial?","answer":"BCS Financial’s direct owners are Nicholas Clay (10% to 25%), SCB Partnership (50% to 75%), Nathan Goodwin (5% to 10%) and Myra O'Dell (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 13 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does BCS Financial get paid?","answer":"BCS Financial is paid through a percentage of assets under management, hourly charges and fixed fees. 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