{"url":"https://nivawealth.com/firms/deseranno-121841","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/121841","regulatoryAum":207987834,"crd":"121841","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2744818","suffix":"JR","lastName":"GARDNER","firstName":"ALANDRESS","middleName":null},{"crd":"4581651","suffix":null,"lastName":"RAHAIM","firstName":"ROBERT","middleName":"STEPHEN"},{"crd":"5781102","suffix":null,"lastName":"SICKLESTEEL","firstName":"STEVEN","middleName":"ANDERSON"}],"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":"2021-03-04","regulatoryAum":175129139,"clients":145,"employees":7,"offices":1},{"filedOn":"2022-05-03","regulatoryAum":172081901,"clients":140,"employees":7,"offices":1},{"filedOn":"2023-02-08","regulatoryAum":159572625,"clients":149,"employees":7,"offices":1},{"filedOn":"2024-02-23","regulatoryAum":168843057,"clients":141,"employees":7,"offices":1},{"filedOn":"2025-05-16","regulatoryAum":195109974,"clients":141,"employees":7,"offices":1},{"filedOn":"2026-02-20","regulatoryAum":207987834,"clients":136,"employees":6,"offices":1}],"secFileNumber":"801-63581","legalName":"Deseranno 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HNW)","clients":107,"regulatoryAum":30227359},{"label":"High-net-worth individuals","clients":27,"regulatoryAum":120909434},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":1369462},{"label":"Insurance companies","clients":1,"fewerThan5":true,"regulatoryAum":55481579}],"feePrograms":[{"role":"main","program":"Portfolio management services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010664","versionId":1010664,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-20","documentName":"DESERANNO WEALTH PLANNING DISCLOSURE BROCHURE","fee_rate_low":1,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":100000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial advisory service","summary":"The financial advisory service has a minimum annual retainer of $3,000, paid quarterly in advance at $750 a quarter.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010664","versionId":1010664,"submittedOn":"2026-02-20","documentName":"DESERANNO WEALTH PLANNING DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:36:19.660067+00:00","documents":[{"name":"DESERANNO WEALTH PLANNING DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010664","versionId":1010664,"submittedOn":"2026-02-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":152506255},{"name":"Comerica Inc.","shortName":"Comerica","location":"Detroit, MI","smaAssets":55481579}],"custodyNote":"Deseranno does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Elena Graves","title":"Chief Compliance 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clients"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":5},{"label":"U.S. government/agency bonds","percent":35},{"label":"U.S. state and local bonds","percent":5},{"label":"Investment grade corporate bonds","percent":5},{"label":"Securities issued by registered investment companies or business development companies","percent":45},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"20 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/121841/PDF/121841.pdf","brochureDate":"20 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1010664","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 Deseranno have?","answer":"Deseranno has 136 clients and manages $208 million for them, as of February 2026. They include 107 individual clients, 27 high-net-worth individuals and 1 charitable organization.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Deseranno offer?","answer":"Deseranno provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","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 Deseranno charge?","answer":"Deseranno charges 1.00% a year for its Portfolio management services. The fee is billed in advance, is negotiable and requires an account of at least $100,000.","source":"DESERANNO WEALTH PLANNING DISCLOSURE BROCHURE, filed 20 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Deseranno use?","answer":"Deseranno’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $153M and Comerica Inc. (Detroit, MI), with $55.5M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Deseranno have?","answer":"Deseranno has 3 investment adviser representatives registered with state securities authorities, out of 6 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 Deseranno invest in?","answer":"At the end of its last fiscal year, Deseranno’s separately managed accounts held 45% registered funds (mutual funds, ETFs, BDCs), 35% U.S. government and agency bonds, 5% exchange-traded equities, 5% state and local bonds, 5% investment grade corporate bonds and 5% cash and equivalents.","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":"Does Deseranno have a minimum investment?","answer":"Yes, Deseranno’s minimum account size for its Portfolio management services is $100K.","source":"DESERANNO WEALTH PLANNING DISCLOSURE BROCHURE, filed 20 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Deseranno?","answer":"Deseranno’s direct owner is Robert Rahaim (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 20 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Deseranno get paid?","answer":"Deseranno 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 Deseranno?","answer":"Deseranno’s main office is at 90 Kercheval Avenue, Grosse Pointe Farms, MI 48236. Its phone number is 313-885-0114. Its website is deseranno.com.","source":"Form ADV Part 1A, Item 1.F, filed 20 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."}