{"url":"https://nivawealth.com/firms/gasber-financial-advisors-157329","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/157329","regulatoryAum":177731911,"crd":"157329","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"865663","suffix":null,"lastName":"GASBER","firstName":"GERALD","middleName":"EUGENE"},{"crd":"2945192","suffix":null,"lastName":"MILLER","firstName":"KAREN","middleName":"ARVILLA"}],"total":2,"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":"2021-03-18","regulatoryAum":135779018,"clients":143,"employees":4,"offices":1},{"filedOn":"2022-03-22","regulatoryAum":151754998,"clients":142,"employees":4,"offices":1},{"filedOn":"2023-03-09","regulatoryAum":139507392,"clients":134,"employees":4,"offices":1},{"filedOn":"2024-02-15","regulatoryAum":247300298,"clients":138,"employees":4,"offices":1},{"filedOn":"2025-05-16","regulatoryAum":159881787,"clients":137,"employees":4,"offices":1},{"filedOn":"2026-02-23","regulatoryAum":177731911,"clients":183,"employees":4,"offices":1}],"secFileNumber":"801-72295","legalName":"Gasber Financial Advisors, Inc","displayName":"Gasber Financial Advisors","slug":"gasber-financial-advisors-157329","website":"https://gasberfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/157329/1ce7bccbcfee4726-r1.webp","tone":"light","width":944,"height":200,"sourceUrl":"https://gasberfinancial.com/","sourceLabel":"Gasber Financial Advisors, INC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"81 Blue Ravine Road, Suite 250","city":"Folsom","state":"CA","stateName":"California","country":"United States","postalCode":"95630-4157"},"tradeNames":[],"registration":{"secApproved":"27 April 2011","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":939301.5277777778,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":177731911,"discretionary":172697245,"discretionaryAccounts":329,"nonDiscretionary":5034666,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":118,"regulatoryAum":35884639},{"label":"High-net-worth individuals","clients":62,"regulatoryAum":133189636},{"label":"Pension and profit-sharing plans","clients":3,"fewerThan5":true,"regulatoryAum":8657636}],"feePrograms":[{"role":"main","program":"Investment Management (Non-Qualified)","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","versionId":1011268,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-23","documentName":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A","fee_rate_low":0.2,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Retainer","summary":"Ongoing financial planning is billed as a retainer each quarter, based on the scope of work; no amount is stated.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","versionId":1011268,"submittedOn":"2026-02-23","documentName":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A"},{"role":"other","program":"Hourly Financial Planning","summary":"Hourly planning rates are $175 to $350 for professionals, $125 for para-planners and $75 for clerical staff; not negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","versionId":1011268,"submittedOn":"2026-02-23","documentName":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A"},{"role":"other","program":"Investment Management (Qualified Plans)","summary":"0.90% on the first $1,000,000 down to 0.30% on the next $3,000,000 of qualified plan assets, with a $5,000 minimum annual fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","versionId":1011268,"submittedOn":"2026-02-23","documentName":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A"},{"role":"other","program":"Project Financial Planning","summary":"Fees for the initial financial planning engagement generally range from $2,000 to $5,000 and are negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","versionId":1011268,"submittedOn":"2026-02-23","documentName":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:19:13.093384+00:00","documents":[{"name":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","versionId":1011268,"submittedOn":"2026-02-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":166228168}],"custodyNote":"Gasber Financial Advisors does not have custody of client assets.","leadership":[{"name":"Gerald Gasber","title":"President","crd":"865663"},{"name":"Karen Miller","title":"Member/Chief Compliance Officer","crd":"2945192"}],"ownership":[{"label":"Gerald Gasber","detail":"President in the 75% or more ownership band and a control person, since September 1995."},{"label":"Karen Miller","detail":"Member/chief compliance officer in the 10% to 25% ownership band and a control person, since June 2020."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"81 Blue Ravine Road, Suite 250","city":"Folsom","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"916-985-2594","stateRegisteredReps":2,"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","Pension consulting services"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":95},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"23 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/157329/PDF/157329.pdf","brochureDate":"23 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011268","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 Gasber Financial Advisors have?","answer":"Gasber Financial Advisors has 183 clients and manages $178 million for them, as of February 2026. They include 118 individual clients, 62 high-net-worth individuals, and 3 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Gasber Financial Advisors offer?","answer":"Gasber Financial Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting.","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 Gasber Financial Advisors charge?","answer":"Gasber Financial Advisors charges 0.20%–1.00% a year for its Investment Management (Non-Qualified). The fee is billed in advance.","source":"2023 GASBER FINANCIAL ADVISORS, INC ADV 2A, filed 23 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Gasber Financial Advisors use?","answer":"Gasber Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $166M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Gasber Financial Advisors have?","answer":"Gasber Financial Advisors has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 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 Gasber Financial Advisors invest in?","answer":"At the end of its last fiscal year, Gasber Financial Advisors’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents, 1% exchange-traded equities and 1% U.S. government and agency 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 Gasber Financial Advisors?","answer":"Gasber Financial Advisors’ direct owners are Gerald Gasber (75% or more) and Karen Miller (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 23 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Gasber Financial Advisors get paid?","answer":"Gasber Financial Advisors 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":"Is Gasber Financial Advisors registered with the SEC?","answer":"Yes, Gasber Financial Advisors has been registered with the SEC as an investment adviser since 27 April 2011. Its CRD number is 157329 and its SEC file number is 801-72295.","source":"Form ADV Part 1A, Item 1, filed 23 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Gasber Financial Advisors?","answer":"Gasber Financial Advisors’ main office is at 81 Blue Ravine Road, Suite 250, Folsom, CA 95630-4157. Its phone number is 916-985-2594. Its website is gasberfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 23 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."}