{"url":"https://nivawealth.com/firms/cascade-financial-strategies-166610","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/166610","regulatoryAum":150876230,"crd":"166610","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7175513","suffix":null,"lastName":"EPPINGER","firstName":"MARC","middleName":"ALLAN"},{"crd":"7529409","suffix":null,"lastName":"Martin Hewitt","firstName":"Katie","middleName":"Marie"},{"crd":"4576961","suffix":null,"lastName":"SCHNIEPP","firstName":"JOHN","middleName":"ANDERSON"}],"total":3,"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":"2025-03-14","regulatoryAum":120487492,"clients":329,"employees":2,"offices":1},{"filedOn":"2026-03-20","regulatoryAum":150876230,"clients":309,"employees":5,"offices":1}],"secFileNumber":"801-132417","legalName":"Cascade Financial Strategies, LLC","displayName":"Cascade Financial Strategies","slug":"cascade-financial-strategies-166610","website":"https://cascadefs.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/166610/cc45fd2a5bbae3f1-r1.webp","tone":"light","width":769,"height":200,"sourceUrl":"https://www.cascadefs.com","sourceLabel":"Cascade Financial Strategies, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/cascade-financial-strategies/about/","founded":null,"organization":"Oregon limited liability company","fiscalYearEnd":"December","headquarters":{"street":"243 Scalehouse Loop, 1a","city":"Bend","state":"OR","stateName":"Oregon","country":"United States","postalCode":"97702"},"tradeNames":[],"registration":{"secApproved":"14 April 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":486241.79153094464,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":3},"aum":{"regulatory":150876230,"discretionary":150271230,"discretionaryAccounts":598,"nonDiscretionary":605000,"nonDiscretionaryAccounts":7,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":12},"clientTypes":[{"label":"Individuals (other than HNW)","clients":267,"regulatoryAum":69276230},{"label":"High-net-worth individuals","clients":40,"regulatoryAum":80000000},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":1600000}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022616","versionId":1022616,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-20","documentName":"CFS FIRM BROCHURE","fee_rate_low":0.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning","summary":"Hourly fees of $250 to $350, or fixed fees typically $500 to $2,500; any advance payment never exceeds $500 for work not completed within six months.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022616","versionId":1022616,"submittedOn":"2026-03-20","documentName":"CFS FIRM BROCHURE"},{"role":"other","program":"Pension and qualified plan consulting","summary":"Priced on the same percentage schedule as portfolio management, invoiced to plan sponsors quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022616","versionId":1022616,"submittedOn":"2026-03-20","documentName":"CFS FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:38:44.986442+00:00","documents":[{"name":"CFS FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022616","versionId":1022616,"submittedOn":"2026-03-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":142583671},{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Fort Mill, SC","smaAssets":1017229}],"custodyNote":"Cascade Financial Strategies does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"John Schniepp","title":"Owner/Chief Compliance Officer","crd":"4576961"}],"ownership":[{"label":"John Schniepp","detail":"Owner/chief compliance officer in the 75% or more ownership band and a control person, since January 2013."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Oregon","offices":1,"addresses":[{"street":"243 Scalehouse Loop, 1a","city":"Bend","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"541-678-5475","stateRegisteredReps":3,"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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Publication of periodicals or newsletters","Educational seminars/workshops"],"financialPlanningClients":"11-25","assetMix":[{"label":"Exchange-traded equity securities","percent":20},{"label":"Non-exchange-traded equity securities","percent":7},{"label":"U.S. government/agency bonds","percent":7},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":21},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":30},{"label":"Cash and cash equivalents","percent":5},{"label":"Other","percent":3,"detail":"Alternative Income and Hedge Growth (Structured Notes)"}],"privateFunds":0},"sources":{"adv1FilingDate":"20 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/166610/PDF/166610.pdf","brochureDate":"20 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022616","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 Cascade Financial Strategies have?","answer":"Cascade Financial Strategies has 309 clients and manages $151 million for them, as of March 2026. They include 267 individual clients, 40 high-net-worth individuals and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cascade Financial Strategies offer?","answer":"Cascade Financial Strategies provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, 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 Cascade Financial Strategies charge?","answer":"Cascade Financial Strategies charges 0.50%–1.50% a year for its Comprehensive Portfolio Management. The fee is billed in advance and is negotiable.","source":"CFS FIRM BROCHURE, filed 20 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Cascade Financial Strategies use?","answer":"Cascade Financial Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $143M and LPL Financial LLC (Fort Mill, SC), with $1.02M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cascade Financial Strategies have?","answer":"Cascade Financial Strategies has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 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 Cascade Financial Strategies invest in?","answer":"At the end of its last fiscal year, Cascade Financial Strategies’ separately managed accounts held 30% pooled vehicles (private funds and similar), 21% investment grade corporate bonds, 20% exchange-traded equities, 7% non-exchange-traded equities, 7% U.S. government and agency bonds, 5% cash and equivalents, 3% other and 2% state and local bonds. The 3% other category is described as: Alternative Income and Hedge Growth (Structured Notes).","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 Cascade Financial Strategies?","answer":"Cascade Financial Strategies’ direct owner is John Schniepp (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cascade Financial Strategies get paid?","answer":"Cascade Financial Strategies 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 Cascade Financial Strategies?","answer":"Cascade Financial Strategies’ main office is at 243 Scalehouse Loop, 1a, Bend, OR 97702. Its phone number is 541-678-5475. Its website is cascadefs.com.","source":"Form ADV Part 1A, Item 1.F, filed 20 March 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."}