{"url":"https://nivawealth.com/firms/enza-financial-315827","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/315827","regulatoryAum":191160236,"crd":"315827","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2437382","suffix":null,"lastName":"CAHILL","firstName":"LINDA","middleName":"ANN"},{"crd":"2110561","suffix":null,"lastName":"CREA","firstName":"JOSEPH","middleName":"ROSS"},{"crd":"4358126","suffix":null,"lastName":"FISCHER","firstName":"SCOTT","middleName":"GERALD"},{"crd":"6959395","suffix":null,"lastName":"Gill","firstName":"Drew","middleName":"M"}],"total":4,"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":"2022-05-16","regulatoryAum":111436923,"clients":108,"employees":4,"offices":1},{"filedOn":"2023-08-04","regulatoryAum":110790278,"clients":90,"employees":5,"offices":1},{"filedOn":"2024-04-01","regulatoryAum":129969289,"clients":152,"employees":7,"offices":1},{"filedOn":"2025-03-20","regulatoryAum":146474385,"clients":152,"employees":6,"offices":1},{"filedOn":"2026-03-02","regulatoryAum":191160236,"clients":198,"employees":5,"offices":1}],"secFileNumber":"801-125885","legalName":"Enza Financial, LLC","displayName":"Enza Financial","slug":"enza-financial-315827","website":"https://enzafinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/315827/3490e38dc17fe942-r1.webp","tone":"light","width":482,"height":200,"sourceUrl":"https://enzafinancial.com/","sourceLabel":"Enza Financial, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/enzafinancial/mycompany/","xUrl":"https://twitter.com/EnzaFinancial?s=20","founded":null,"organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"6450 Rockside Woods BLVD S, Suite 150","city":"Independence","state":"OH","stateName":"Ohio","country":"United States","postalCode":"44131"},"tradeNames":[],"registration":{"secApproved":"16 June 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":832885.1212121212,"staff":{"employees":5,"advisory":4,"brokerDealerReps":5,"insuranceAgents":4,"promoters":0},"aum":{"regulatory":191160236,"discretionary":191160236,"discretionaryAccounts":339,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":153,"regulatoryAum":35220578},{"label":"High-net-worth individuals","clients":45,"regulatoryAum":129690676},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":13090913},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":644088},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":12513981}],"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=1013376","versionId":1013376,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-02","documentName":"ENZA FINANCIAL, LLC - DISCLOSURE BROCHURE","fee_rate_low":0.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive financial planning","summary":"Flat fee at three levels: $2,500, $5,000 or $7,500; maximum $15,000 for individuals and $50,000 for businesses.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013376","versionId":1013376,"submittedOn":"2026-03-02","documentName":"ENZA FINANCIAL, LLC - DISCLOSURE BROCHURE"},{"role":"other","program":"Individual consulting and planning","summary":"Hourly rate up to $450, with a maximum annual fee of $25,000 for the service.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013376","versionId":1013376,"submittedOn":"2026-03-02","documentName":"ENZA FINANCIAL, LLC - DISCLOSURE BROCHURE"},{"role":"other","program":"Periodic investment advisory consulting","summary":"Hourly rate up to $450, with a maximum annual fee of $25,000 for the service.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013376","versionId":1013376,"submittedOn":"2026-03-02","documentName":"ENZA FINANCIAL, LLC - DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:01:50.711346+00:00","documents":[{"name":"ENZA FINANCIAL, LLC - DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013376","versionId":1013376,"submittedOn":"2026-03-02"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":191160236}],"custodyNote":"Enza Financial has custody of $20.5M in client assets for 35 clients.","otherCustodians":[],"leadership":[{"name":"Joseph Crea","title":"President","crd":"2110561"},{"name":"Katherine Reed","title":"Chief Compliance Officer","crd":"4223440"},{"name":"Linda Cahill","title":"Principal","crd":"2437382"},{"name":"Scott Fischer","title":"Senior Investment Consultant","crd":"4358126"}],"ownership":[{"label":"Joseph Crea","detail":"President in the 25% to 50% ownership band and a control person, since August 2014."},{"label":"Linda Cahill","detail":"Principal in the 25% to 50% ownership band and a control person, since August 2014."},{"label":"Scott Fischer","detail":"Senior investment consultant in the 5% to 10% ownership band and a control person, since August 2014."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"6450 Rockside Woods BLVD S, Suite 150","city":"Independence","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"216-236-0700","stateRegisteredReps":5,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Other"],"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","Educational seminars/workshops","Other"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":22},{"label":"U.S. government/agency bonds","percent":4},{"label":"U.S. state and local bonds","percent":10},{"label":"Investment grade corporate bonds","percent":1},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":45},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":4},{"label":"Cash and cash equivalents","percent":13}],"privateFunds":0},"sources":{"adv1FilingDate":"2 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/315827/PDF/315827.pdf","brochureDate":"2 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013376","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 Enza Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Enza Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Enza Financial charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Enza Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Enza Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Enza Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Enza Financial?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Enza Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Enza Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 2 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."}