Cardinal Strategic Wealth Guidance provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Cardinal Strategic Wealth Guidance reports 230 clients. They include 119 high-net-worth individuals, 108 individual clients, and 2 corporations and other businesses. Of its assets, 93.9% ($580M across 837 accounts) are managed with discretion; $37.5M across 58 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 47% | 8% |
| High-net-worth individuals | 52% | 86% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | 6% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 108 | $48.1M | 7.8% | $446K |
| High-net-worth individuals | 119 | $531M | 85.9% | $4.46M |
| Charitable organizations | Fewer than 5 | $532K | 0.1% | $532K |
| Corporations and other businesses | Fewer than 5 | $38.2M | 6.2% | $19.1M |
| Total | 230 | $618M | 100% | — |
- Clients
- 108
- Regulatory AUM
- $48.1M
- AUM share
- 7.8%
- Avg. per client
- $446K
- Clients
- 119
- Regulatory AUM
- $531M
- AUM share
- 85.9%
- Avg. per client
- $4.46M
- Clients
- Fewer than 5
- Regulatory AUM
- $532K
- AUM share
- 0.1%
- Avg. per client
- $532K
- Clients
- Fewer than 5
- Regulatory AUM
- $38.2M
- AUM share
- 6.2%
- Avg. per client
- $19.1M
Total
- Clients
- 230
- Regulatory AUM
- $618M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Cardinal Strategic Wealth Guidance charges 0.60%–1.50% a year for its Portfolio Management Fees. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Stand-alone Financial Planning
- Stand-alone financial planning is a negotiated fee of $2,500 to $10,000, paid quarterly in arrears.
Eric Saling owns 50% to 75% of Cardinal Strategic Wealth Guidance. Eric Saling is CEO; the leadership team includes Chief Investment Officer Jason Stuber and Chief Compliance Officer Emily Saling. It has 11 employees, 9 of them in advisory roles.
Staff
- 11 employees
- 9 in advisory functions
- 9 state-registered reps
- Owns 50% to 75% of Cardinal Strategic Wealth Guidance, LLC
Eric Saling
Control person · since February 2022
- Owns 10% to 25% of Cardinal Strategic Wealth Guidance, LLC
Jason Stuber
Control person · since April 2016
- Owns 10% to 25% of Cardinal Strategic Wealth Guidance, LLC
Tendai Charasika
Control person · since January 2020
- Owns 5% to 10% of Cardinal Strategic Wealth Guidance, LLC
Emily Saling
Control person · since April 2016
- Owns 5% to 10% of Cardinal Strategic Wealth Guidance, LLC
Amy Stuber
Control person · since February 2022
- Owns 5% to 10% of Cardinal Strategic Wealth Guidance, LLC
Jeffrey Gough
Control person · since February 2022
Cardinal Strategic Wealth Guidance’s regulatory assets grew 1.9× from $322M (March 2021) to $618M (March 2026); clients rose from 198 to 230 and employees from 9 to 11.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Mar 2026March 2026 | $618M | 230 | 11 | 1 |
| Jun 2025June 2025 | $518M | 239 | 11 | 1 |
| Mar 2024March 2024 | $410M | 213 | 11 | 1 |
| Mar 2023March 2023 | $363M | 217 | 11 | 1 |
| Mar 2022March 2022 | $383M | 209 | 10 | 2 |
| Mar 2021March 2021 | $322M | 198 | 9 | 2 |
Besides its headquarters, Cardinal Strategic Wealth Guidance has 0 offices, with 1 listed address in 1 state.
Kentucky · 1 listed address
- 9750 Ormsby Station Road, Suite 102, LouisvilleHQ
Contact and registration details
- Legal name
- Cardinal Strategic Wealth Guidance, LLC
- Headquarters
- 9750 Ormsby Station Road, Suite 102, Louisville, KY 40223
- Website
- salingadvisors.com
- Phone
- 502-805-3000
- @saling-wealth-advisors
- SEC file
- 801-107417
- Founded
- 2016
- Structure
- Kentucky LLC
- Fiscal year end
- December
Cardinal Strategic Wealth Guidance’s named custodian for separately managed accounts is Raymond James ($618M). Cardinal Strategic Wealth Guidance has custody of $82.9M for 50 clients.
- Raymond JamesRaymond James & Associates, Inc. · St. Petersburg, FL · $618M100%
At year end, Cardinal Strategic Wealth Guidance’s separately managed accounts were mostly in funds (89%). Its reported 13F holdings for the quarter ended 30 June 2026 total $441M across 67 positions; the largest are iShares TR (31.1%), iShares TR (12.4%) and iShares Inc. (6.1%).
What the accounts hold
- Stocks7%
- Funds89%
- Bonds1%
- Cash2%
Filed values cover 99%. The neutral 1% gap has no reported category.
How many clients does Cardinal Strategic Wealth Guidance have?
Cardinal Strategic Wealth Guidance has 230 clients and manages $618 million for them, as of March 2026. They include 119 high-net-worth individuals, 108 individual clients, and 2 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 March 2026
What services does Cardinal Strategic Wealth Guidance offer?
Cardinal Strategic Wealth Guidance provides financial planning, portfolio management for individuals and small businesses, publishing newsletters, 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
How much does Cardinal Strategic Wealth Guidance charge?
Cardinal Strategic Wealth Guidance charges 0.60%–1.50% a year for its Portfolio Management Fees. The fee is billed in advance, is negotiable and requires an account of at least $1,000,000.
Which custodians does Cardinal Strategic Wealth Guidance use?
Cardinal Strategic Wealth Guidance’s separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $618M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 March 2026
How many financial advisors does Cardinal Strategic Wealth Guidance have?
Cardinal Strategic Wealth Guidance has 9 investment adviser representatives registered with state securities authorities, out of 11 employees, and 9 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
What does Cardinal Strategic Wealth Guidance invest in?
At the end of its last fiscal year, Cardinal Strategic Wealth Guidance’s separately managed accounts held 89% registered funds (mutual funds, ETFs, BDCs), 7% exchange-traded equities, 2% cash and equivalents 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
Does Cardinal Strategic Wealth Guidance have a minimum investment?
Yes, Cardinal Strategic Wealth Guidance’s minimum account size for its Portfolio Management Fees is $1M.
Who owns Cardinal Strategic Wealth Guidance?
Cardinal Strategic Wealth Guidance’s direct owners are Emily Saling (5% to 10%), Eric Saling (50% to 75%), Jason Stuber (10% to 25%), Tendai Charasika (10% to 25%), Amy Stuber (5% to 10%) and Jeffrey Gough (5% to 10%).
Source: Form ADV Part 1A, Schedules A and B, filed 10 March 2026
How does Cardinal Strategic Wealth Guidance get paid?
Cardinal Strategic Wealth Guidance is paid through a percentage of assets under management 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
How do I contact Cardinal Strategic Wealth Guidance?
Cardinal Strategic Wealth Guidance’s main office is at 9750 Ormsby Station Road, Suite 102, Louisville, KY 40223. Its phone number is 502-805-3000. Its website is salingadvisors.com.