{"url":"https://nivawealth.com/firms/independent-financial-advisors-115798","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/115798","regulatoryAum":134495327,"crd":"115798","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7049447","suffix":null,"lastName":"Veach","firstName":"Andrew","middleName":"Reid"},{"crd":"1544270","suffix":"JR","lastName":"VEACH","firstName":"CLIFFORD","middleName":"RAY"}],"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":"2023-07-31","regulatoryAum":112795812,"clients":182,"employees":2,"offices":1},{"filedOn":"2024-03-28","regulatoryAum":112434156,"clients":180,"employees":3,"offices":1},{"filedOn":"2025-03-10","regulatoryAum":130122094,"clients":186,"employees":3,"offices":1},{"filedOn":"2026-02-25","regulatoryAum":134495327,"clients":195,"employees":4,"offices":1}],"secFileNumber":"801-127773","legalName":"Independent Financial Advisors, Inc.","displayName":"Independent Financial Advisors","slug":"independent-financial-advisors-115798","website":"https://veachfamilyfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/veach-family-financial","founded":null,"organization":"Arkansas corporation","fiscalYearEnd":"December","headquarters":{"street":"8412 Counts Massie Road","city":"North Little Rock","state":"AR","stateName":"Arkansas","country":"United States","postalCode":"72113"},"tradeNames":[],"registration":{"secApproved":"28 April 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":679370.942408377,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":134495327,"discretionary":130226390,"discretionaryAccounts":460,"nonDiscretionary":4268937,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":140,"regulatoryAum":39192347},{"label":"High-net-worth individuals","clients":51,"regulatoryAum":90567503},{"label":"Pension and profit-sharing plans","clients":3,"fewerThan5":true,"regulatoryAum":4634050},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":101427}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"marginal","fee_tiers":[{"to":250000,"pct":1,"from":0},{"to":500000,"pct":0.9,"from":250000},{"to":1000000,"pct":0.8,"from":500000},{"to":2000000,"pct":0.7,"from":1000000},{"to":3000000,"pct":0.6,"from":2000000},{"to":4000000,"pct":0.5,"from":3000000},{"to":5000000,"pct":0.4,"from":4000000},{"to":null,"pct":0.3,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012130","versionId":1012130,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-02-25","documentName":"ADV PART II","fee_rate_low":0.3,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":2000},{"role":"other","program":"Hourly planning engagements","summary":"Limited-scope hourly planning is billed at $200 an hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012130","versionId":1012130,"submittedOn":"2026-02-25","documentName":"ADV PART II"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:21:22.050776+00:00","documents":[{"name":"ADV PART II","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012130","versionId":1012130,"submittedOn":"2026-02-25"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Orlando, FL","smaAssets":127763881}],"custodyNote":"Independent Financial Advisors has custody of $47.2M in client assets for 52 clients.","leadership":[{"name":"Andrew Veach","title":"President","crd":"7049447"},{"name":"Clifford Veach","title":"Vice President, Chief Compliance Officer","crd":"1544270"},{"name":"Eryn Veach","title":"Secretary/Treasurer","crd":"7716044"}],"ownership":[{"label":"Clifford Veach","detail":"Vice president, chief compliance officer in the 25% to 50% ownership band and a control person, since January 1994."},{"label":"Andrew Veach","detail":"President in the 50% to 75% ownership band and a control person, since January 2023."},{"label":"Eryn Veach","detail":"Secretary/treasurer in the 5% to 10% ownership band, since January 2023."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Arkansas","offices":1,"addresses":[{"street":"8412 Counts Massie Road","city":"North Little Rock","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"501-753-0313","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services"],"financialPlanningClients":"26-50","assetMix":[{"label":"Exchange-traded equity securities","percent":51},{"label":"U.S. government/agency bonds","percent":3},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":41},{"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":"25 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/115798/PDF/115798.pdf","brochureDate":"25 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012130","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 Independent Financial Advisors have?","answer":"Independent Financial Advisors has 195 clients and manages $134 million for them, as of February 2026. They include 140 individual clients, 51 high-net-worth individuals, and 3 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Independent Financial Advisors offer?","answer":"Independent 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 Independent Financial Advisors charge?","answer":"Independent Financial Advisors charges 0.30%–1.00% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $2,000 annual minimum.","source":"ADV PART II, filed 25 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Independent Financial Advisors use?","answer":"Independent Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Orlando, FL), with $128M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Independent Financial Advisors have?","answer":"Independent 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 Independent Financial Advisors invest in?","answer":"At the end of its last fiscal year, Independent Financial Advisors’ separately managed accounts held 51% exchange-traded equities, 41% registered funds (mutual funds, ETFs, BDCs), 3% U.S. government and agency bonds, 2% investment grade corporate bonds, 2% cash and equivalents, 1% state and local bonds 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":"Who owns Independent Financial Advisors?","answer":"Independent Financial Advisors’ direct owners are Clifford Veach (25% to 50%), Andrew Veach (50% to 75%) and Eryn Veach (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 25 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Independent Financial Advisors get paid?","answer":"Independent Financial Advisors is paid through a percentage of assets under management and hourly charges. 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 Independent Financial Advisors registered with the SEC?","answer":"Yes, Independent Financial Advisors has been registered with the SEC as an investment adviser since 28 April 2023. Its CRD number is 115798 and its SEC file number is 801-127773.","source":"Form ADV Part 1A, Item 1, filed 25 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Independent Financial Advisors?","answer":"Independent Financial Advisors’ main office is at 8412 Counts Massie Road, North Little Rock, AR 72113. Its phone number is 501-753-0313. Its website is veachfamilyfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 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."}