Copperwood Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 101–250 clients last fiscal year.
Copperwood Financial reports 262 clients. They include 216 individual clients and 46 high-net-worth individuals. Of its assets, 99.7% ($119M across 793 accounts) are managed with discretion; $303K across 2 accounts are not. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 82% | 49% |
| High-net-worth individuals | 18% | 49% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | 1% |
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) | 216 | $59.2M | 49.5% | $274K |
| High-net-worth individuals | 46 | $58.5M | 48.9% | $1.27M |
| Charitable organizations | Fewer than 5 | $730K | 0.6% | — |
| Corporations and other businesses | Fewer than 5 | $1.2M | 1.0% | — |
| Total | 262 | $120M | 100% | — |
- Clients
- 216
- Regulatory AUM
- $59.2M
- AUM share
- 49.5%
- Avg. per client
- $274K
- Clients
- 46
- Regulatory AUM
- $58.5M
- AUM share
- 48.9%
- Avg. per client
- $1.27M
- Clients
- Fewer than 5
- Regulatory AUM
- $730K
- AUM share
- 0.6%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $1.2M
- AUM share
- 1.0%
- Avg. per client
- —
Total
- Clients
- 262
- Regulatory AUM
- $120M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Copperwood Financial 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 3 other services, listed under fee details.
Fee details and sources
Other fees
- Hourly Financial Planning
- Services beyond the Tier 1 and Tier 2 packages are billed at $400 per hour, negotiated in advance.
- Qualified Retirement Plan Consulting
- Consulting fee of 1.0% annually of plan assets, negotiable, billed monthly or quarterly in arrears.
- Tier 1 and Tier 2 Financial Planning
- Fixed fee of $2,500 for Tier 1 services; Tier 2 starts at $5,000, based on scope and complexity.
Lawrence Gatz owns 75% or more of Copperwood Financial. The leadership team of Copperwood Financial includes President Lawrence Gatz. It has 3 employees.
Leadership
Lawrence GatzPresident and Chief Compliance Officer
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- 2 insurance agents
- Owns 75% or more of Copperwood Financial, Inc.
Lawrence Gatz
Control person · since August 2020
Besides its headquarters, Copperwood Financial has 2 offices (2 private residences, listed without an address), with 1 listed address in Illinois.
Illinois · 1 listed address
- 745 McClintock DR., Suite 308, Burr RidgeHQ
Other business names
Copperwood Financial has reported 1 other business name to the SEC.
- Pro Athlete Wealth
Contact and registration details
- Legal name
- Copperwood Financial, Inc.
- Headquarters
- 745 McClintock DR., Suite 308, Burr Ridge, IL 60527
- Website
- copperwoodfinancial.com
- Phone
- 630-581-8998
- @copperwood-financial
- SEC file
- 801-134875
- Structure
- Illinois corporation
- Fiscal year end
- December
Copperwood Financial uses Charles Schwab ($101M) as custodian for its separately managed accounts. Copperwood Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $101M100%
At year end, Copperwood Financial’s separately managed accounts were mostly in stocks (69%) and funds (15%).
What the accounts hold
- Stocks69%
- Funds15%
- Registered funds10%
- Pooled vehicles5%
- Cash5%
- Other11%
- Annuities11%
How many clients does Copperwood Financial have?
Copperwood Financial has 262 clients and manages $120 million for them, as of March 2026. They include 216 individual clients and 46 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026
What services does Copperwood Financial offer?
Copperwood Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Copperwood Financial use?
Copperwood Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $101M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026
How many financial advisors does Copperwood Financial have?
Copperwood Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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 Copperwood Financial invest in?
At the end of its last fiscal year, Copperwood Financial’s separately managed accounts held 69% exchange-traded equities, 11% other, 10% registered funds (mutual funds, ETFs, BDCs), 5% pooled vehicles (private funds and similar) and 5% cash and equivalents. The 11% other category is described as: Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Copperwood Financial?
Copperwood Financial’s direct owner is Lawrence Gatz (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 25 March 2026
How does Copperwood Financial get paid?
Copperwood 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
How do I contact Copperwood Financial?
Copperwood Financial’s main office is at 745 McClintock DR., Suite 308, Burr Ridge, IL 60527. Its phone number is 630-581-8998. Its website is copperwoodfinancial.com.