{"url":"https://nivawealth.com/firms/gerstemeier-financial-group-llc-127052","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/127052","regulatoryAum":142959605,"crd":"127052","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5706938","suffix":null,"lastName":"GERSTEMEIER","firstName":"LAURA","middleName":"J"},{"crd":"4664996","suffix":null,"lastName":"GERSTEMEIER","firstName":"ROBERT","middleName":"C."}],"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":"2022-03-23","regulatoryAum":114197421,"clients":65,"employees":2,"offices":3},{"filedOn":"2023-06-18","regulatoryAum":112338573,"clients":67,"employees":2,"offices":2},{"filedOn":"2024-07-15","regulatoryAum":117710738,"clients":66,"employees":2,"offices":2},{"filedOn":"2025-03-06","regulatoryAum":131433640,"clients":70,"employees":2,"offices":2},{"filedOn":"2026-03-02","regulatoryAum":142959605,"clients":75,"employees":2,"offices":2}],"secFileNumber":"801-124711","legalName":"Gerstemeier Financial Group,llc","displayName":"Gerstemeier Financial Group,llc","slug":"gerstemeier-financial-group-llc-127052","website":"https://g-fg.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/127052/1761b47c1f92941c-r1.webp","tone":"light","width":719,"height":200,"sourceUrl":"https://www.g-fg.com/","sourceLabel":"Gerstemeier Financial Group,llc, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"22 April 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1933205.5753424657,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":142959605,"discretionary":142959605,"discretionaryAccounts":229,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":1},"clientTypes":[{"label":"Individuals (other than HNW)","clients":30,"regulatoryAum":15471915},{"label":"High-net-worth individuals","clients":43,"regulatoryAum":125652092},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":1835598}],"feePrograms":[{"role":"main","program":"Investment Management Fee","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.85,"from":1000000},{"to":5000000,"pct":0.7,"from":3000000},{"to":10000000,"pct":0.6,"from":5000000},{"to":null,"pct":0.5,"from":10000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","versionId":1013195,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-02","documentName":"ADV PART 2A, 2B","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":1000000,"feeMinimumPeriod":"annual","fee_minimum_annual":10000},{"role":"other","program":"Financial planning, fixed fee","summary":"A financial plan is charged a fixed fee based on scope and complexity; the typical fee range is $1,500 to $8,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","versionId":1013195,"submittedOn":"2026-03-02","documentName":"ADV PART 2A, 2B"},{"role":"other","program":"Financial planning, hourly","summary":"Limited-scope financial planning engagements are charged an hourly rate of $325 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","versionId":1013195,"submittedOn":"2026-03-02","documentName":"ADV PART 2A, 2B"},{"role":"other","program":"Retirement plan consulting","summary":"Plan consulting is charged a fixed fee, with a $2,500 minimum per year, or an annual fee of 0.50% to 1.00% of assets managed.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","versionId":1013195,"submittedOn":"2026-03-02","documentName":"ADV PART 2A, 2B"},{"role":"other","program":"Tax preparation","summary":"Tax preparation is billed at $325 per hour, with a $150 minimum fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","versionId":1013195,"submittedOn":"2026-03-02","documentName":"ADV PART 2A, 2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:52:52.171607+00:00","documents":[{"name":"ADV PART 2A, 2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","versionId":1013195,"submittedOn":"2026-03-02"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":111134469},{"name":"Tiaa-Cref Individual & Institutional Services, LLC","shortName":"Tiaa-Cref Individual & Institutional Services","location":"New York, NY","smaAssets":1204104}],"custodyNote":"Gerstemeier Financial Group,llc does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Gerstemeier","title":"President/Managing Member/CCO","crd":"4664996"},{"name":"Laura Gerstemeier","title":"Treasurer","crd":"5706938"}],"ownership":[{"label":"Robert Gerstemeier","detail":"President/managing member/cco in the 75% or more ownership band and a control person, since April 2003."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Illinois","offices":1,"addresses":[{"street":"1415 22nd Street, Tower Floor","city":"Oak Brook"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"630-420-6601","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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"Securities issued by registered investment companies or business development companies","percent":93},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"2 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/127052/PDF/127052.pdf","brochureDate":"2 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013195","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 Gerstemeier Financial Group,llc have?","answer":"Gerstemeier Financial Group,llc has 75 clients and manages $143 million for them, as of March 2026. They include 43 high-net-worth individuals, 30 individual clients and 2 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Gerstemeier Financial Group,llc offer?","answer":"Gerstemeier Financial Group,llc provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, 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 Gerstemeier Financial Group,llc charge?","answer":"Gerstemeier Financial Group,llc charges 0.50%–1.00% a year for its Investment Management Fee. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable, has a $10,000 annual minimum and requires an account of at least $1,000,000.","source":"ADV PART 2A, 2B, filed 2 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Gerstemeier Financial Group,llc use?","answer":"Gerstemeier Financial Group,llc’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $111M and Tiaa-Cref Individual & Institutional Services, LLC (New York, NY), with $1.2M. 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 Gerstemeier Financial Group,llc have?","answer":"Gerstemeier Financial Group,llc has 2 investment adviser representatives registered with state securities authorities, out of 2 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 Gerstemeier Financial Group,llc invest in?","answer":"At the end of its last fiscal year, Gerstemeier Financial Group,llc’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities, 2% cash and equivalents and 1% pooled vehicles (private funds and similar).","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 Gerstemeier Financial Group,llc have a minimum investment?","answer":"Yes, Gerstemeier Financial Group,llc’s minimum account size for its Investment Management Fee is $1M. It charges a $10K annual minimum fee.","source":"ADV PART 2A, 2B, filed 2 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Gerstemeier Financial Group,llc?","answer":"Gerstemeier Financial Group,llc’s direct owner is Robert Gerstemeier (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 2 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Gerstemeier Financial Group,llc get paid?","answer":"Gerstemeier Financial Group,llc 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 Gerstemeier Financial Group,llc?","answer":"Its phone number is 630-420-6601. Its website is g-fg.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."}