Copper Financial Network provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.
Copper Financial Network reports 4,165 clients. They include 4,135 individual clients and 30 high-net-worth individuals. Of its assets, 100.0% ($411M across 4,987 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $1.23B. Of its clients, 1% are outside the U.S. It advised 559 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 99% | 89% |
| High-net-worth individuals | <1% | 11% |
| Banking or thrift institutions | Fewer than 5 | 0% |
| Pension and profit-sharing plans | Fewer than 5 | 0% |
| Charitable organizations | Fewer than 5 | 0% |
| Other client typesState or municipal government entities; Other investment advisers; Insurance companies; Sovereign wealth funds and foreign official institutions; Other | Not reported | 0% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 4,135 | $366M | 89.1% | $88.5K |
| High-net-worth individuals | 30 | $44.7M | 10.9% | $1.49M |
| Banking or thrift institutions | Fewer than 5 | $0 | 0.0% | — |
| Pension and profit-sharing plans | Fewer than 5 | $0 | 0.0% | — |
| Charitable organizations | Fewer than 5 | $0 | 0.0% | — |
| State or municipal government entities | Fewer than 5 | $0 | 0.0% | — |
| Other investment advisers | Fewer than 5 | $0 | 0.0% | — |
| Insurance companies | Fewer than 5 | $0 | 0.0% | — |
| Sovereign wealth funds and foreign official institutions | Fewer than 5 | $0 | 0.0% | — |
| Other | Fewer than 5 | $0 | 0.0% | — |
| Total | 4,165 | $411M | 100% | — |
- Clients
- 4,135
- Regulatory AUM
- $366M
- AUM share
- 89.1%
- Avg. per client
- $88.5K
- Clients
- 30
- Regulatory AUM
- $44.7M
- AUM share
- 10.9%
- Avg. per client
- $1.49M
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 4,165
- Regulatory AUM
- $411M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 559
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 0
Copper Financial Network is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning Services
- Financial planning is billed at a negotiated hourly rate, generally $250 per hour, with a maximum fee of $5,000 for each financial plan; a flat fee may apply in limited situations.
Communityamerica Cuso One LLC owns 75% or more of Copper Financial Network and is in turn owned by Communityamerica Federal Credit Union (75% or more). The leadership team of Copper Financial Network includes President Michael Patrick Haggerty. It has 50 employees, 44 of them in advisory roles.
Leadership
- Michael Patrick HaggertyPresident, Chief Compliance Officer, Elected Manager
- Tracy ChristianElected Manager
- Michael James DehnerFinancial Operations Principal
- Lisa GinterElected Manager
- Stephen Dale KroppElected Manager
- Michael PatrickElected Manager
Investment adviser representatives
39 representatives listed in the SEC register as of 9 October 2026.
- Scott Christopher Adams
- Taylor Brianne Ahern
- Alyssa Nicole Akers
- Machoura Akmalkhodjaeva
- Salvatore Charles Arnone
- Nicole Anne Bartel
- Joan Elizabeth Bellows
- Heath Tyler Burch
- Rance Jay Carlson
- Drew P Cason
- Ian Stuart Cole
- Lalitkumar K Dhande
- Joshua Daniel Edens
- Sami Edward Farag MR
- Rachel Marie Feldkamp
- Matthew Philip Fitzgerald
- Michael Patrick Haggerty
- Kevin David Harper
- Tysyn Hartman
- Seth Izak Hofstetter
- John Douglas James
- Albert Maurice Judson
- Joseph David Kraemer
- Kelly Dawn Lambert
- Bradley Justin Mauderer
- Joshua David Packman
- Caleb Allen Padgett
- Jordan Nicole Rehagen
- Jason Eric Seehusen
- Amanda J Spear
- Christopher Leile Sutherlin
- Dainan James Swoope
- Jeffrey Stuart Vineyard
- Suzanne E Wallace
- Tyler Dean White
- Jake Christopher Wu
- Joseph T Yates
- Andre Maurice Yoskowitz
- Ronald Lee Yount
Staff
- 50 employees
- 44 in advisory functions
- 44 state-registered reps
- 45 broker-dealer reps
- 35 insurance agents
- 8 soliciting firms
- Owns 75% or more of Copper Financial Network, LLC
Communityamerica Cuso One LLC
Control person · since November 2001
- Owns 75% or more of Communityamerica Cuso One LLC
Communityamerica Federal Credit Union
Control person · since November 2001
Lisa Ginter
Elected manager · since March 2015
Michael Patrick
Elected manager · since July 2008
Stephen Dale Kropp
Elected manager · since January 2021
Tracy Christian
Elected manager · since December 2022
Michael Patrick Haggerty
Elected manager · since August 2026
Copper Financial Network’s regulatory assets grew 2.7× from $151M (July 2021) to $411M (September 2026); clients rose from 829 to 4,165 and employees from 39 to 50.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $411M | 4,165 | 50 | 32 |
| July 2025 | $346M | 3,412 | 50 | 29 |
| March 2024 | $306M | 2,275 | 56 | 30 |
| May 2023 | $276M | 1,919 | 50 | 29 |
| April 2022 | $294M | 1,710 | 46 | 28 |
| July 2021 | $151M | 829 | 39 | 24 |
Besides its headquarters, Copper Financial Network has 31 offices, with 32 listed addresses across 6 states.
Missouri · 18 listed addresses
- 1400 W Foxwood Drive, Raymore
- 8100 Ne US Highway 69, Pleasant Valley
- 11900 Blue Ridge BLVD, Grandview
- 3100 S Mo 291 Highway, Independence
- 1850 Craigshire, Suite 203, St Louis
- 1805 Craigshire, St Louis
- 6510 Clayton Road, St Louis
- 825 Ne Rice Road, Lee'S Summit
- 1720 Se Blue Parkway, Lee'S Summit
- 5041 Main Street, Kansas City
- 9060 NW Skyview Ave, Kansas City
- 1800 S Outer Road, Blue Springs
- 235 E Broadway Avenue, Excelsior Springs
- 1811 Walnut Street, Kansas City
- 3720 S. Noland Road, Independence
- 9310 North Oak Trafficway, Kansas City
- 8450 Ne Flintlock RD, Kansas City
- 6390 N. Cosby Ave, Kansas City
Kansas · 9 listed addresses
- 9777 Ridge Drive, Suite 360, LenexaHQ
- 16110 W 65th St, Shawnee
- 5601 W 95th St, Overland Park
- 1201 W. Santa Fe Street, Olathe
- 3426 W. 4th Street, Leavenworth
- 13590 S Black Bob RD., Olathe
- 10601 Mission Road, Leawood
- 7714 State Avenue, Kansas City
- 6280 W 135th St, Overland Park
California · 2 listed addresses
- 1 Shields Avenue, Memorial Union, Suite 246, Davis
- 1500 S Sepulveda BLVD, Los Angeles
Louisiana · 1 listed address
- 1804 Church Street, Zachary
New York · 1 listed address
- 2 Un Plaza, New York
Oklahoma · 1 listed address
- 10201 S. Western Avenue, Oklahoma City
Contact and registration details
- Legal name
- Copper Financial Network, LLC
- Headquarters
- 9777 Ridge Drive, Suite 360, Lenexa, KS 66219
- Website
- cu.financial
- Phone
- 913-905-3600
- @copper-financial
- SEC file
- 801-89168
- Structure
- Missouri LLC
- Fiscal year end
- December
Copper Financial Network uses Apex Clearing ($411M, 100%) and Pershing ($0, 0%) as custodians for its separately managed accounts. Copper Financial Network does not have custody of client assets.
- Apex ClearingApex Clearing Corporation · Dallas, TX · $411M100%
At year end, Copper Financial Network’s separately managed accounts were mostly in funds (77%) and stocks (20%).
What the accounts hold
- Stocks20%
- Funds77%
- Cash3%
How many clients does Copper Financial Network have?
Copper Financial Network has 4,165 clients and manages $411 million for them, as of September 2026. They include 4,135 individual clients and 30 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 September 2026
What services does Copper Financial Network offer?
Copper Financial Network provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Copper Financial Network use?
Copper Financial Network’s separately managed account assets are held at Apex Clearing Corporation (Dallas, TX), with $411M. The filing also lists Pershing LLC with no separately managed account assets.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 September 2026
How many financial advisors does Copper Financial Network have?
Copper Financial Network has 44 investment adviser representatives registered with state securities authorities, out of 50 employees, and 44 perform investment advisory functions. 45 employees are registered representatives of a broker-dealer and 35 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
What does Copper Financial Network invest in?
At the end of its last fiscal year, Copper Financial Network’s separately managed accounts held 77% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities and 3% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Copper Financial Network?
Copper Financial Network is owned through a holding company by Communityamerica Federal Credit Union. Its direct owner is Communityamerica Cuso One LLC (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 3 September 2026
How does Copper Financial Network get paid?
Copper Financial Network 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
Is Copper Financial Network registered with the SEC?
Yes, Copper Financial Network has been registered with the SEC as an investment adviser since 30 April 2015. Its CRD number is 168203 and its SEC file number is 801-89168.
Source: Form ADV Part 1A, Item 1, filed 3 September 2026; IAPD firm record
How do I contact Copper Financial Network?
Copper Financial Network’s main office is at 9777 Ridge Drive, Suite 360, Lenexa, KS 66219. Its phone number is 913-905-3600. Its website is cu.financial.