{"url":"https://nivawealth.com/firms/duet-advisory-services-283584","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/283584","regulatoryAum":316487378,"crd":"283584","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6377843","suffix":null,"lastName":"Almeida","firstName":"Jacqueline","middleName":"Nicole"},{"crd":"1768103","suffix":null,"lastName":"ALMEIDA","firstName":"SHARON","middleName":"ANNE"},{"crd":"4258545","suffix":null,"lastName":"MULROY","firstName":"BRIGID","middleName":null}],"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":"2024-06-25","regulatoryAum":239357006,"clients":282,"employees":9,"offices":4},{"filedOn":"2025-03-13","regulatoryAum":277883875,"clients":289,"employees":9,"offices":5},{"filedOn":"2026-03-12","regulatoryAum":316487378,"clients":283,"employees":7,"offices":5}],"secFileNumber":"801-130758","legalName":"Duet Advisory Services LLC","displayName":"Duet Advisory Services","slug":"duet-advisory-services-283584","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2016","organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"30400 Telegraph RD., Suite 115","city":"Bingham Farms","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48025"},"tradeNames":["Cents & Sensibility, Inc.","Star Wealth Management Corporation"],"registration":{"secApproved":"26 July 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1114664,"staff":{"employees":7,"advisory":3,"brokerDealerReps":1,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":316487378,"discretionary":311122277,"discretionaryAccounts":761,"nonDiscretionary":5365101,"nonDiscretionaryAccounts":17,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":182,"regulatoryAum":83996503},{"label":"High-net-worth individuals","clients":100,"regulatoryAum":230338745},{"label":"Pension and profit-sharing plans","clients":1,"regulatoryAum":2152130}],"feePrograms":[{"role":"main","program":"Investment Advisory 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advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017902","versionId":1017902,"submittedOn":"2026-03-12","documentName":"ADV PART 2A BROCHURE AND ADV PART 2B BROCHURE SUPPLEMENT"},{"role":"other","program":"Variable annuity management","summary":"A flat fee of 1% of assets held in a variable annuity, excluded from the advisory fee schedule.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017902","versionId":1017902,"submittedOn":"2026-03-12","documentName":"ADV PART 2A BROCHURE AND ADV PART 2B BROCHURE SUPPLEMENT"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T10:12:37.424086+00:00","documents":[{"name":"ADV PART 2A BROCHURE AND ADV PART 2B BROCHURE SUPPLEMENT","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017902","versionId":1017902,"submittedOn":"2026-03-12"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":241245822},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":65447063}],"custodyNote":"Duet Advisory Services does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Sharon Almeida","title":"Member and Chief Compliance Officer (06/2024)","crd":"1768103"},{"name":"Brigid Kahn","title":"Member","crd":"4258545"}],"ownership":[{"label":"Brigid Kahn","detail":"Member in the 50% to 75% ownership band and a control person, since March 2016."},{"label":"Sharon Almeida","detail":"Member and chief compliance officer (06/2024) in the 50% to 75% ownership band and a control person, since March 2016."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":4,"privateResidences":2},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"5890 Stoneridge Drive","city":"Pleasanton"}]},{"state":"Michigan","offices":2,"addresses":[{"street":"30400 Telegraph RD., Suite 115","city":"Bingham Farms","headquarters":true},{"street":"167 Little Lake DR.","city":"Ann Arbor"}]}],"brochureServices":["education planning","estate planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"248-723-4321","stateRegisteredReps":3,"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":17},{"label":"Securities issued by registered investment companies or business development companies","percent":79},{"label":"Cash and cash equivalents","percent":2},{"label":"Other","percent":2,"detail":"Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"12 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/283584/PDF/283584.pdf","brochureDate":"12 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1017902","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 Duet Advisory Services have?","answer":"Duet Advisory Services has 283 clients and manages $316 million for them, as of March 2026. They include 182 individual clients, 100 high-net-worth individuals and 1 pension or profit-sharing plan.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Duet Advisory Services offer?","answer":"Duet Advisory Services provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, 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 Duet Advisory Services charge?","answer":"Duet Advisory Services charges 0.90%–1.50% a year for its Investment Advisory Fees. The whole portfolio is charged at the rate of its band.","source":"ADV PART 2A BROCHURE AND ADV PART 2B BROCHURE SUPPLEMENT, filed 12 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Duet Advisory Services use?","answer":"Duet Advisory Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $241M and Fidelity Brokerage Services LLC (Smithfield, RI), with $65.4M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Duet Advisory Services have?","answer":"Duet Advisory Services has 3 investment adviser representatives registered with state securities authorities, out of 7 employees, and 3 perform investment advisory functions. 1 employee is a registered representative 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Duet Advisory Services invest in?","answer":"At the end of its last fiscal year, Duet Advisory Services’ separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 2% cash and equivalents and 2% other. The 2% 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Duet Advisory Services?","answer":"Duet Advisory Services’ direct owners are Brigid Kahn (50% to 75%) and Sharon Almeida (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 12 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Duet Advisory Services get paid?","answer":"Duet Advisory Services 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 Duet Advisory Services?","answer":"Duet Advisory Services’ main office is at 30400 Telegraph RD., Suite 115, Bingham Farms, MI 48025. Its phone number is 248-723-4321.","source":"Form ADV Part 1A, Item 1.F, filed 12 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."}