{"url":"https://nivawealth.com/firms/central-illinois-group-341748","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/341748","regulatoryAum":491909807,"crd":"341748","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1287148","suffix":null,"lastName":"FOLEY","firstName":"JOHN","middleName":"DAVID"},{"crd":"6866166","suffix":null,"lastName":"KENNEDY","firstName":"JOHN","middleName":"RYAN"},{"crd":"6453917","suffix":null,"lastName":"MCDOWELL","firstName":"ANDREW","middleName":"JAMES"},{"crd":"5968483","suffix":null,"lastName":"SMOES","firstName":"CALEB","middleName":"JONATHAN"},{"crd":"2974060","suffix":null,"lastName":"VANDERBURGH","firstName":"JOHN","middleName":"LEONARD"},{"crd":"7378298","suffix":null,"lastName":"Witherspoon","firstName":"Daniel","middleName":"Joseph"}],"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":"801-136469","legalName":"Central Illinois Group, LLC","displayName":"Central Illinois Group","slug":"central-illinois-group-341748","website":"https://lifewisewealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/lifewise-wealth-advisors/","founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2911 Crossing Court, Suite 102","city":"Champaign","state":"IL","stateName":"Illinois","country":"United States","postalCode":"61822"},"tradeNames":[],"registration":{"secApproved":"18 June 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1126754.2655889145,"staff":{"employees":8,"advisory":6,"brokerDealerReps":0,"insuranceAgents":7,"promoters":1},"aum":{"regulatory":491909807,"discretionary":487884597,"discretionaryAccounts":1074,"nonDiscretionary":4025210,"nonDiscretionaryAccounts":49,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":300,"regulatoryAum":101987280},{"label":"High-net-worth individuals","clients":133,"regulatoryAum":385897317},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":4025210}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"marginal","fee_tiers":[{"to":250000,"pct":1.25,"from":0},{"to":500000,"pct":1.1,"from":250000},{"to":1000000,"pct":0.95,"from":500000},{"to":2000000,"pct":0.8,"from":1000000},{"to":3000000,"pct":0.65,"from":2000000},{"to":null,"pct":0.5,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057657","versionId":1057657,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-09-11","documentName":"LIFEWISE WEALTH ADVISORS ADV PART 2A 9-10-26","fee_rate_low":null,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is charged a fixed fee ranging up to $50,000, depending upon the complexity of the services provided.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057657","versionId":1057657,"submittedOn":"2026-09-11","documentName":"LIFEWISE WEALTH ADVISORS ADV PART 2A 9-10-26"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T11:35:37.386709+00:00","documents":[{"name":"LIFEWISE WEALTH ADVISORS ADV PART 2A 9-10-26","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057657","versionId":1057657,"submittedOn":"2026-09-11"}]},"custodians":[],"custodyNote":"Central Illinois Group does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Caleb Smoes","title":"Chief Executive Officer & Wealth Advisor","crd":"5968483"},{"name":"Lonny Elfenbein","title":"Chief Compliance Officer","crd":"2937038"},{"name":"John Foley","title":"Founding Partner & Certified Financial Planner","crd":"1287148"},{"name":"John Kennedy","title":"Managing Partner & Certified Financial Planner","crd":"6866166"},{"name":"Andrew McDowell","title":"Partner & Certified Financial Planner","crd":"6453917"}],"ownership":[{"label":"Caleb Smoes","detail":"Chief executive officer & wealth advisor in the 25% to 50% ownership band and a control person, since January 2023."},{"label":"John Foley","detail":"Founding partner & certified financial planner in the 25% to 50% ownership band and a control person, since January 2025."},{"label":"Andrew McDowell","detail":"Partner & certified financial planner in the 10% to 25% ownership band and a control person, since January 2025."},{"label":"John Kennedy","detail":"Managing partner & certified financial planner in the 10% to 25% ownership band and a control person, since January 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Illinois","offices":2,"addresses":[{"street":"2911 Crossing Court, Suite 102","city":"Champaign","headquarters":true},{"street":"59 Cardinal Drive N","city":"Bethany"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"217-351-8755","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":23},{"label":"U.S. government/agency bonds","percent":2},{"label":"Investment grade corporate bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":71},{"label":"Cash and cash equivalents","percent":1},{"label":"Other","percent":1,"detail":"Variable Annuities and Other Asset Types Less Than 1%"}],"privateFunds":0},"sources":{"adv1FilingDate":"11 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/341748/PDF/341748.pdf","brochureDate":"11 September 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057657","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 Central Illinois Group have?","answer":"Central Illinois Group has 433 clients and manages $492 million for them, as of September 2026. They include 300 individual clients and 133 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Central Illinois Group offer?","answer":"Central Illinois Group provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and selecting other managers.","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 Central Illinois Group charge?","answer":"Central Illinois Group charges up to 1.25% for its Investment Management Services. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"LIFEWISE WEALTH ADVISORS ADV PART 2A 9-10-26, filed 11 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does Central Illinois Group have?","answer":"Central Illinois Group has 6 investment adviser representatives registered with state securities authorities, out of 8 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 Central Illinois Group invest in?","answer":"At the end of its last fiscal year, Central Illinois Group’s separately managed accounts held 71% registered funds (mutual funds, ETFs, BDCs), 23% exchange-traded equities, 2% U.S. government and agency bonds, 2% investment grade corporate bonds, 1% cash and equivalents and 1% other. The 1% other category is described as: Variable Annuities and Other Asset Types Less Than 1%.","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 Central Illinois Group?","answer":"Central Illinois Group’s direct owners are Caleb Smoes, John Foley, Andrew McDowell and John Kennedy, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 11 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Central Illinois Group get paid?","answer":"Central Illinois Group 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Central Illinois Group?","answer":"Central Illinois Group’s main office is at 2911 Crossing Court, Suite 102, Champaign, IL 61822. Its phone number is 217-351-8755. Its website is lifewisewealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 11 September 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."}