Enza Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Enza Financial reports 198 clients. They include 153 individual clients and 45 high-net-worth individuals. Of its assets, 100.0% ($191M across 339 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 77% | 18% |
| High-net-worth individuals | 23% | 68% |
| Pension and profit-sharing plans | Fewer than 5 | 7% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | 7% |
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) | 153 | $35.2M | 18.4% | $230K |
| High-net-worth individuals | 45 | $130M | 67.8% | $2.88M |
| Pension and profit-sharing plans | Fewer than 5 | $13.1M | 6.8% | — |
| Charitable organizations | Fewer than 5 | $644K | 0.3% | — |
| Corporations and other businesses | Fewer than 5 | $12.5M | 6.5% | — |
| Total | 198 | $191M | 100% | — |
- Clients
- 153
- Regulatory AUM
- $35.2M
- AUM share
- 18.4%
- Avg. per client
- $230K
- Clients
- 45
- Regulatory AUM
- $130M
- AUM share
- 67.8%
- Avg. per client
- $2.88M
- Clients
- Fewer than 5
- Regulatory AUM
- $13.1M
- AUM share
- 6.8%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $644K
- AUM share
- 0.3%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $12.5M
- AUM share
- 6.5%
- Avg. per client
- —
Total
- Clients
- 198
- Regulatory AUM
- $191M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Enza Financial charges 0.50%–1.50% a year for its Portfolio management services. The fee is billed in arrears and is negotiable. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Comprehensive financial planning
- Flat fee at three levels: $2,500, $5,000 or $7,500; maximum $15,000 for individuals and $50,000 for businesses.
- Individual consulting and planning
- Hourly rate up to $450, with a maximum annual fee of $25,000 for the service.
- Periodic investment advisory consulting
- Hourly rate up to $450, with a maximum annual fee of $25,000 for the service.
Joseph Crea owns 25% to 50% of Enza Financial. The leadership team of Enza Financial includes President Joseph Crea and Chief Compliance Officer Katherine Reed. It has 5 employees, 4 of them in advisory roles.
Leadership
Joseph CreaPresident
Katherine ReedChief Compliance Officer- Linda CahillPrincipal
Scott FischerSenior Investment Consultant
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 4 in advisory functions
- 5 state-registered reps
- 5 broker-dealer reps
- 4 insurance agents
- Owns 25% to 50% of Enza Financial, LLC
Joseph Crea
Control person · since August 2014
- Owns 25% to 50% of Enza Financial, LLC
Linda Cahill
Control person · since August 2014
- Owns 5% to 10% of Enza Financial, LLC
Scott Fischer
Control person · since August 2014
Enza Financial’s regulatory assets grew 1.7× from $111M (May 2022) to $191M (March 2026); clients rose from 108 to 198 and employees from 4 to 5.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $191M | 198 | 5 | 1 |
| March 2025 | $146M | 152 | 6 | 1 |
| April 2024 | $130M | 152 | 7 | 1 |
| August 2023 | $111M | 90 | 5 | 1 |
| May 2022 | $111M | 108 | 4 | 1 |
Besides its headquarters, Enza Financial has 0 offices, with 1 listed address in Ohio.
Ohio · 1 listed address
- 6450 Rockside Woods BLVD S, Suite 150, IndependenceHQ
Contact and registration details
- Legal name
- Enza Financial, LLC
- Headquarters
- 6450 Rockside Woods BLVD S, Suite 150, Independence, OH 44131
- Website
- enzafinancial.com
- Phone
- 216-236-0700
- @enzafinancial
- SEC file
- 801-125885
- Structure
- Ohio LLC
- Fiscal year end
- December
Enza Financial uses Charles Schwab ($191M) as custodian for its separately managed accounts. Enza Financial has custody of $20.5M in client assets for 35 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $191M100%
At year end, Enza Financial’s separately managed accounts were largely in funds (49%) and stocks (22%).
What the accounts hold
- Stocks22%
- Funds49%
- Registered funds45%
- Pooled vehicles4%
- Bonds16%
- State and local bonds10%
- U.S. government and agency bonds4%
- Investment grade corporate bonds1%
- High-yield corporate bonds1%
- Cash13%
How many clients does Enza Financial have?
Enza Financial has 198 clients and manages $191 million for them, as of March 2026. They include 153 individual clients and 45 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026
What services does Enza Financial offer?
Enza Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Enza Financial charge?
Enza Financial charges 0.50%–1.50% a year for its Portfolio management services. The fee is billed in arrears and is negotiable.
Source: ENZA FINANCIAL, LLC - DISCLOSURE BROCHURE, filed 2 March 2026
Which custodians does Enza Financial use?
Enza Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $191M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 2 March 2026
How many financial advisors does Enza Financial have?
Enza Financial has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 4 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 Enza Financial invest in?
At the end of its last fiscal year, Enza Financial’s separately managed accounts held 45% registered funds (mutual funds, ETFs, BDCs), 22% exchange-traded equities, 13% cash and equivalents, 10% state and local bonds, 4% U.S. government and agency bonds, 4% pooled vehicles (private funds and similar), 1% investment grade corporate bonds and 1% high-yield corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Enza Financial?
Enza Financial’s direct owners are Joseph Crea, Linda Cahill and Scott Fischer, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 2 March 2026
How does Enza Financial get paid?
Enza Financial is paid through a percentage of assets under management, hourly charges and other compensation. 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 Enza Financial?
Enza Financial’s main office is at 6450 Rockside Woods BLVD S, Suite 150, Independence, OH 44131. Its phone number is 216-236-0700. Its website is enzafinancial.com.