{"url":"https://nivawealth.com/firms/clear-ridge-wealth-management-172689","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/172689","regulatoryAum":244630166,"crd":"172689","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6385031","suffix":null,"lastName":"BRUNDAGE","firstName":"MICHAEL","middleName":"L."},{"crd":"4389009","suffix":null,"lastName":"ELDRIDGE","firstName":"MICHELLE","middleName":"LARABEE"},{"crd":"8168817","suffix":null,"lastName":"HANNEMANN","firstName":"LORI","middleName":"JEAN"}],"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":"2021-04-22","regulatoryAum":110176115,"clients":90,"employees":3,"offices":1},{"filedOn":"2022-03-22","regulatoryAum":150991437,"clients":98,"employees":3,"offices":1},{"filedOn":"2023-03-10","regulatoryAum":154133079,"clients":111,"employees":3,"offices":1},{"filedOn":"2024-03-25","regulatoryAum":182322576,"clients":113,"employees":3,"offices":1},{"filedOn":"2025-02-19","regulatoryAum":200058083,"clients":118,"employees":4,"offices":1},{"filedOn":"2026-03-27","regulatoryAum":244630166,"clients":132,"employees":4,"offices":1}],"secFileNumber":"801-121285","legalName":"Clear Ridge Wealth Management, LLC","displayName":"Clear Ridge Wealth Management","slug":"clear-ridge-wealth-management-172689","website":"https://clearridgewm.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/clear-ridge-wealth-management/","founded":"2014","organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"259 E. Michigan Avenue, Suite 105","city":"Kalamazoo","state":"MI","stateName":"Michigan","country":"United States","postalCode":"49007"},"tradeNames":[],"registration":{"secApproved":"24 May 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1867405.8473282442,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":244630166,"discretionary":240325199,"discretionaryAccounts":419,"nonDiscretionary":4304967,"nonDiscretionaryAccounts":6,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":59,"regulatoryAum":22130082},{"label":"High-net-worth individuals","clients":72,"regulatoryAum":222500084},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":0}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"marginal","fee_tiers":[{"to":2000000,"pct":0.9,"from":0},{"to":5000000,"pct":0.7,"from":2000000},{"to":null,"pct":0.4,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029609","versionId":1029609,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-27","documentName":"CLEAR RIDGE WEALTH MANAGEMENT, LLC","fee_rate_low":0.4,"fee_rate_high":0.9,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Services","summary":"Stand-alone financial planning is billed hourly at $200 to $500 an hour, or as a fixed fee typically ranging from $1,500 to $5,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029609","versionId":1029609,"submittedOn":"2026-03-27","documentName":"CLEAR RIDGE WEALTH MANAGEMENT, LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:01:33.821211+00:00","documents":[{"name":"CLEAR RIDGE WEALTH MANAGEMENT, LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029609","versionId":1029609,"submittedOn":"2026-03-27"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":157896690},{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":84856105}],"custodyNote":"Clear Ridge Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Michael Brundage","title":"Member / Chief Compliance Officer","crd":"6385031"},{"name":"Michelle Eldridge","title":"Member","crd":"4389009"}],"ownership":[{"label":"Michael Brundage","detail":"Member / chief compliance officer in the 50% to 75% ownership band and a control person, since August 2014."},{"label":"Michelle Eldridge","detail":"Member in the 50% to 75% ownership band and a control person, since October 2014."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"259 E. Michigan Avenue, Suite 105","city":"Kalamazoo","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"269-381-1700","stateRegisteredReps":2,"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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":15},{"label":"U.S. government/agency bonds","percent":3},{"label":"U.S. state and local bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":70},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"27 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/172689/PDF/172689.pdf","brochureDate":"27 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1029609","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 Clear Ridge Wealth Management have?","answer":"Clear Ridge Wealth Management has 132 clients and manages $245 million for them, as of March 2026. They include 72 high-net-worth individuals, 59 individual clients and 1 charitable organization.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Clear Ridge Wealth Management offer?","answer":"Clear Ridge Wealth Management provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, retirement plan services, 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Clear Ridge Wealth Management charge?","answer":"Clear Ridge Wealth Management charges 0.40%–0.90% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"CLEAR RIDGE WEALTH MANAGEMENT, LLC, filed 27 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Clear Ridge Wealth Management use?","answer":"Clear Ridge Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $158M and National Financial Services LLC (Boston, MA), with $84.9M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Clear Ridge Wealth Management have?","answer":"Clear Ridge Wealth Management has 2 investment adviser representatives registered with state securities authorities, out of 4 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 Clear Ridge Wealth Management invest in?","answer":"At the end of its last fiscal year, Clear Ridge Wealth Management’s separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 15% exchange-traded equities, 10% cash and equivalents, 3% U.S. government and agency bonds and 2% state and local 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":"Who owns Clear Ridge Wealth Management?","answer":"Clear Ridge Wealth Management’s direct owners are Michael Brundage (50% to 75%) and Michelle Eldridge (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 27 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Clear Ridge Wealth Management get paid?","answer":"Clear Ridge Wealth Management 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 Clear Ridge Wealth Management?","answer":"Clear Ridge Wealth Management’s main office is at 259 E. Michigan Avenue, Suite 105, Kalamazoo, MI 49007. Its phone number is 269-381-1700. Its website is clearridgewm.com.","source":"Form ADV Part 1A, Item 1.F, filed 27 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."}