{"url":"https://nivawealth.com/firms/bradyco-127204","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/127204","regulatoryAum":176744534,"crd":"127204","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4675472","suffix":null,"lastName":"RICHARDSON","firstName":"BRADLEY","middleName":"FREDERICK"}],"total":1,"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":"2025-06-17","regulatoryAum":175709938,"clients":45,"employees":1,"offices":2},{"filedOn":"2026-07-22","regulatoryAum":176744534,"clients":37,"employees":1,"offices":2}],"secFileNumber":"801-132843","legalName":"Bradyco, Inc.","displayName":"Bradyco","slug":"bradyco-127204","website":"https://bradycofinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Massachusetts corporation","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"23 May 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":4776879.297297297,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":176744534,"discretionary":172711673,"discretionaryAccounts":86,"nonDiscretionary":4032861,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":2,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":13,"regulatoryAum":3372461},{"label":"High-net-worth individuals","clients":24,"regulatoryAum":173372073}],"feePrograms":[{"role":"main","program":"Asset-based advisory fee","feeBasis":"whole_balance","fee_tiers":[{"to":2500000,"pct":1,"from":0},{"to":null,"pct":0.75,"from":2500000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052518","versionId":1052518,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-07-22","documentName":"2026-07-22 BRADYCO FINANCIAL FORM ADV PART 2A","fee_rate_low":0.75,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:53:20.254824+00:00","documents":[{"name":"2026-07-22 BRADYCO FINANCIAL FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052518","versionId":1052518,"submittedOn":"2026-07-22"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":176744534}],"custodyNote":"Bradyco has custody of $200M in client assets for 26 clients.","otherCustodians":[],"leadership":[{"name":"Bradley Richardson","title":"President, Chief Investment Officer, Chief Compliance Officer, Shareholder","crd":"4675472"}],"ownership":[{"label":"Bradley Richardson","detail":"President, chief investment officer, chief compliance officer, shareholder in the 75% or more ownership band and a control person, since December 1985."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"617-945-1991","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Portfolio management for individuals and/or small businesses","Other"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":76},{"label":"U.S. government/agency bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":1},{"label":"Cash and cash equivalents","percent":21}],"privateFunds":0},"sources":{"adv1FilingDate":"22 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/127204/PDF/127204.pdf","brochureDate":"22 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1052518","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Bradyco have?","answer":"Bradyco has 37 clients and manages $177 million for them, as of July 2026. They include 24 high-net-worth individuals and 13 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 22 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bradyco offer?","answer":"Bradyco provides portfolio management for individuals and small businesses.","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 Bradyco charge?","answer":"Bradyco charges 0.75%–1.00% a year for its Asset-based advisory fee. The whole portfolio is charged at the rate of its band. The fee is billed in arrears and is negotiable.","source":"2026-07-22 BRADYCO FINANCIAL FORM ADV PART 2A, filed 22 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bradyco use?","answer":"Bradyco’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $177M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bradyco have?","answer":"Bradyco has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 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 Bradyco invest in?","answer":"At the end of its last fiscal year, Bradyco’s separately managed accounts held 76% exchange-traded equities, 21% cash and equivalents, 2% U.S. government and agency bonds and 1% registered funds (mutual funds, ETFs, BDCs).","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 Bradyco?","answer":"Bradyco’s direct owner is Bradley Richardson (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 22 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bradyco get paid?","answer":"Bradyco is paid through a percentage of assets under management and hourly charges. 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":"How do I contact Bradyco?","answer":"Its phone number is 617-945-1991. Its website is bradycofinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 22 July 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}