{"url":"https://nivawealth.com/firms/business-owner-strategies-group-297243","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/297243","regulatoryAum":134763000,"crd":"297243","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5531685","suffix":null,"lastName":"ALBAN","firstName":"KRISTOFER","middleName":"R"},{"crd":"7421595","suffix":null,"lastName":"Cha","firstName":"Suyoung","middleName":null},{"crd":"5484767","suffix":null,"lastName":"HEPBURN","firstName":"LAIRD","middleName":"WALLACE"},{"crd":"6295263","suffix":null,"lastName":"LEISURE","firstName":"GEORGE","middleName":"ANDREW"},{"crd":"2820210","suffix":null,"lastName":"PICHA","firstName":"ROBERT","middleName":"FRANCIS"},{"crd":"5700003","suffix":null,"lastName":"STRUBLE","firstName":"JUSTIN","middleName":"MICHAEL"}],"total":6,"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"},"secFileNumber":"801-134480","legalName":"Business-Owner Strategies Group, LLC","displayName":"Business-Owner Strategies Group","slug":"business-owner-strategies-group-297243","website":"https://bsgadvisers.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/bsgadvisers/","founded":null,"organization":"North Carolina limited liability company","fiscalYearEnd":"December","headquarters":{"street":"56 Hunter Street, Suite 230","city":"Apex","state":"NC","stateName":"North Carolina","country":"United States","postalCode":"27502"},"tradeNames":["BSG Advisers"],"registration":{"secApproved":"7 January 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":500428.0303030303,"staff":{"employees":9,"advisory":6,"brokerDealerReps":0,"insuranceAgents":7,"promoters":0},"aum":{"regulatory":134763000,"discretionary":134763000,"discretionaryAccounts":676,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":22},"clientTypes":[{"label":"Individuals (other than HNW)","clients":201,"regulatoryAum":46590000},{"label":"High-net-worth individuals","clients":63,"regulatoryAum":85523000},{"label":"Corporations and other businesses","clients":8,"regulatoryAum":2650000}],"feePrograms":[{"role":"main","program":"Investment Management","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":2,"from":0},{"to":null,"pct":1.25,"from":1000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050425","versionId":1050425,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-07-01","documentName":"BSG ADV PART 2A","fee_rate_low":1.25,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":10000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive and Continuous Planning","summary":"Fixed fee generally $3,000 to $6,000 with a $1,500 minimum. Continuous planning starts at $50 a month, up to one twelfth of the comprehensive fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050425","versionId":1050425,"submittedOn":"2026-07-01","documentName":"BSG ADV PART 2A"},{"role":"other","program":"Pension Consulting","summary":"Fixed fee generally $2,000 to $10,000, or hourly at up to $450 an hour. Negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050425","versionId":1050425,"submittedOn":"2026-07-01","documentName":"BSG ADV PART 2A"},{"role":"other","program":"Retirement Plan Services","summary":"Asset-based fee not exceeding 1.00% a year of plan assets, or a flat fee with a $750 annual minimum. Negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050425","versionId":1050425,"submittedOn":"2026-07-01","documentName":"BSG ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:04:26.381088+00:00","documents":[{"name":"BSG ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050425","versionId":1050425,"submittedOn":"2026-07-01"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":133763000},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":1000000}],"custodyNote":"Business-Owner Strategies Group does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Laird Hepburn","title":"Manager/CCO","crd":"5484767"},{"name":"Robert Picha","title":"Manager","crd":"2820210"},{"name":"Justin Struble","title":"Manager","crd":"5700003"}],"ownership":[{"label":"Tla Group, Inc","detail":"Owner in the 25% to 50% ownership band and a control person, since January 2021."},{"label":"Intelligent Insights, Inc.","detail":"Owner in the 25% to 50% ownership band and a control person, since January 2021."},{"label":"Wealthcaps, Inc","detail":"Owner in the 25% to 50% ownership band and a control person, since January 2021."},{"label":"Laird Hepburn","detail":"Indirect owner: a shareholder of Tla Group, Inc in the 75% or more band and a control person, since November 2020.","parent":"Tla Group, Inc"},{"label":"Robert Picha","detail":"Indirect owner: a shareholder of Intelligent Insights, Inc. in the 75% or more band and a control person, since November 2020.","parent":"Intelligent Insights, Inc."},{"label":"Justin Struble","detail":"Indirect owner: a shareholder of Wealthcaps, Inc in the 75% or more band and a control person, since June 2018.","parent":"Wealthcaps, Inc"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"Kansas","offices":1,"addresses":[{"street":"6840 W 105th Street","city":"Overland Park"}]},{"state":"North Carolina","offices":1,"addresses":[{"street":"56 Hunter Street, Suite 230","city":"Apex","headquarters":true}]},{"state":"Virginia","offices":1,"addresses":[{"street":"2700 Wilson BLVD","city":"Arlington"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"919-267-4753","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":65},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":15},{"label":"Cash and cash equivalents","percent":15}],"privateFunds":0},"sources":{"adv1FilingDate":"1 July 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/297243/PDF/297243.pdf","brochureDate":"1 July 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1050425","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 Business-Owner Strategies Group have?","answer":"Business-Owner Strategies Group has 272 clients and manages $135 million for them, as of July 2026. They include 201 individual clients, 63 high-net-worth individuals, and 8 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 1 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Business-Owner Strategies Group offer?","answer":"Business-Owner Strategies Group provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, and educational seminars.","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 Business-Owner Strategies Group charge?","answer":"Business-Owner Strategies Group charges 1.25%–2.00% a year for its Investment Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and requires an account of at least $10,000.","source":"BSG ADV PART 2A, filed 1 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Business-Owner Strategies Group use?","answer":"Business-Owner Strategies Group’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $134M and Charles Schwab & Co., Inc. (San Francisco, CA), with $1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Business-Owner Strategies Group have?","answer":"Business-Owner Strategies Group has 5 investment adviser representatives registered with state securities authorities, out of 9 employees, and 6 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 7 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 Business-Owner Strategies Group invest in?","answer":"At the end of its last fiscal year, Business-Owner Strategies Group’s separately managed accounts held 65% exchange-traded equities, 15% registered funds (mutual funds, ETFs, BDCs), 15% cash and equivalents, 2% U.S. government and agency bonds, 2% state and local bonds and 1% investment grade corporate 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":"Does Business-Owner Strategies Group have a minimum investment?","answer":"Yes, Business-Owner Strategies Group’s minimum account size for its Investment Management is $10K.","source":"BSG ADV PART 2A, filed 1 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Business-Owner Strategies Group?","answer":"Business-Owner Strategies Group is owned through holding companies by Laird Hepburn, Robert Picha and Justin Struble. Its direct owners are Tla Group, Inc, Intelligent Insights, Inc. and Wealthcaps, Inc, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 1 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Business-Owner Strategies Group get paid?","answer":"Business-Owner Strategies Group is paid through a percentage of assets under management, hourly charges and fixed fees. 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 Business-Owner Strategies Group?","answer":"Business-Owner Strategies Group’s main office is at 56 Hunter Street, Suite 230, Apex, NC 27502. Its phone number is 919-267-4753. Its website is bsgadvisers.com.","source":"Form ADV Part 1A, Item 1.F, filed 1 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."}