{"url":"https://nivawealth.com/firms/copper-leaf-financial-285378","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/285378","regulatoryAum":219554121,"crd":"285378","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4307361","suffix":null,"lastName":"DAVIS","firstName":"JOHN","middleName":"WENTLING"},{"crd":"8295529","suffix":null,"lastName":"EIKLOR","firstName":"ADAM","middleName":"TAYLOR"},{"crd":"5605497","suffix":null,"lastName":"HODGDON","firstName":"BRET","middleName":"LYN"},{"crd":"6682801","suffix":null,"lastName":"SYKES","firstName":"BREANNA","middleName":null},{"crd":"7373551","suffix":null,"lastName":"THIBEAULT","firstName":"JACQUELYN","middleName":"MICHELE"}],"total":5,"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":"2021-07-28","regulatoryAum":116238581,"clients":120,"employees":6,"offices":2},{"filedOn":"2022-03-08","regulatoryAum":143887713,"clients":139,"employees":6,"offices":2},{"filedOn":"2023-04-21","regulatoryAum":148965842,"clients":151,"employees":5,"offices":2},{"filedOn":"2024-05-09","regulatoryAum":189173652,"clients":156,"employees":5,"offices":2},{"filedOn":"2025-02-13","regulatoryAum":189991396,"clients":158,"employees":5,"offices":2},{"filedOn":"2026-02-23","regulatoryAum":219554121,"clients":155,"employees":4,"offices":2}],"secFileNumber":"801-120617","legalName":"Copper Leaf Financial, LLC","displayName":"Copper Leaf Financial","slug":"copper-leaf-financial-285378","website":"https://copperleaffinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/285378/5924048546deb251-r1.webp","tone":"light","width":342,"height":200,"sourceUrl":"https://copperleaffinancial.com","sourceLabel":"Copper Leaf Financial, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/copper-leaf-financial","founded":"2016","organization":"Vermont limited liability company","fiscalYearEnd":"December","headquarters":{"street":"33 Blair Park Road, Suite 203","city":"Williston","state":"VT","stateName":"Vermont","country":"United States","postalCode":"05495"},"tradeNames":[],"registration":{"secApproved":"26 March 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1581507.4452554744,"staff":{"employees":4,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":219554121,"discretionary":219554121,"discretionaryAccounts":552,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":10},"clientTypes":[{"label":"Individuals (other than HNW)","clients":59,"regulatoryAum":36845522},{"label":"High-net-worth individuals","clients":78,"regulatoryAum":179820998},{"label":"Charitable organizations","clients":18,"regulatoryAum":2887601}],"feePrograms":[{"role":"other","program":"Hourly Consulting","summary":"Limited consulting engagements are billed at $250 per hour plus expenses, with a minimum engagement of 2.5 hours.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011003","versionId":1011003,"submittedOn":"2026-02-23","documentName":"COPPER LEAF FORM ADV PART 2A"},{"role":"other","program":"On-boarding Financial Planning","summary":"The on-boarding financial planning fee is set at engagement and is generally between $2,500 and $10,000, depending on complexity.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011003","versionId":1011003,"submittedOn":"2026-02-23","documentName":"COPPER LEAF FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T15:35:24.025957+00:00","documents":[{"name":"COPPER LEAF FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011003","versionId":1011003,"submittedOn":"2026-02-23"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":150034549},{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":69149399}],"custodyNote":"Copper Leaf Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Bret Hodgdon","title":"Chief Compliance Officer, Shareholder","crd":"5605497"},{"name":"John Davis","title":"Shareholder","crd":"4307361"}],"ownership":[{"label":"John Davis","detail":"Shareholder in the 75% or more ownership band and a control person, since March 2015."},{"label":"Bret Hodgdon","detail":"Chief compliance officer, shareholder in the 25% to 50% ownership band and a control person, since March 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Vermont","offices":2,"addresses":[{"street":"33 Blair Park Road, Suite 203","city":"Williston","headquarters":true},{"street":"225 South Main Street","city":"Rutland"}]}],"brochureServices":["business succession planning","education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"802-878-2731","stateRegisteredReps":4,"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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"U.S. government/agency bonds","percent":5},{"label":"U.S. state and local bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":75},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"23 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/285378/PDF/285378.pdf","brochureDate":"23 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011003","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 Copper Leaf Financial have?","answer":"Copper Leaf Financial has 155 clients and manages $220 million for them, as of February 2026. They include 78 high-net-worth individuals, 59 individual clients and 18 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Copper Leaf Financial offer?","answer":"Copper Leaf Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, business succession planning, education planning, estate planning, insurance, philanthropic planning, 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":"Which custodians does Copper Leaf Financial use?","answer":"Copper Leaf Financial’s separately managed account assets are held at National Financial Services LLC (Boston, MA), with $150M and Charles Schwab & Co., Inc. (San Francisco, CA), with $69.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Copper Leaf Financial have?","answer":"Copper Leaf Financial has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 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 Copper Leaf Financial invest in?","answer":"At the end of its last fiscal year, Copper Leaf Financial’s separately managed accounts held 75% registered funds (mutual funds, ETFs, BDCs), 10% cash and equivalents, 5% exchange-traded equities, 5% U.S. government and agency bonds and 5% 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 Copper Leaf Financial?","answer":"Copper Leaf Financial’s direct owners are John Davis (75% or more) and Bret Hodgdon (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 23 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Copper Leaf Financial get paid?","answer":"Copper Leaf Financial 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 Copper Leaf Financial?","answer":"Copper Leaf Financial’s main office is at 33 Blair Park Road, Suite 203, Williston, VT 05495. Its phone number is 802-878-2731. Its website is copperleaffinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 23 February 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."}