{"url":"https://nivawealth.com/firms/jennings-and-associates-financial-advisors-312706","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/312706","regulatoryAum":240125414,"crd":"312706","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7363880","suffix":null,"lastName":"Brown","firstName":"Logan","middleName":"Taylor"},{"crd":"3181045","suffix":null,"lastName":"JENNINGS","firstName":"KEITH","middleName":"TODD"},{"crd":"7398184","suffix":null,"lastName":"Johnson","firstName":"Crystal","middleName":"Lynn"},{"crd":"5717131","suffix":null,"lastName":"LYNCH","firstName":"KRISTIN","middleName":"RENEA"},{"crd":"6137346","suffix":null,"lastName":"WOOD","firstName":"MIRANDA","middleName":"RENEE"}],"total":5,"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":"2024-02-27","regulatoryAum":179249914,"clients":623,"employees":9,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":208401036,"clients":627,"employees":8,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":240125414,"clients":691,"employees":8,"offices":1}],"secFileNumber":"801-128650","legalName":"Jennings & Associates Financial Advisors, LLC","displayName":"Jennings & Associates Financial Advisors","slug":"jennings-and-associates-financial-advisors-312706","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/jennings-&-associates-financial-advisors-llc/","founded":null,"organization":"Kentucky limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1920 Broadway Street","city":"Paducah","state":"KY","stateName":"Kentucky","country":"United States","postalCode":"42001"},"tradeNames":[],"registration":{"secApproved":"29 August 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":347865.5470588235,"staff":{"employees":8,"advisory":5,"brokerDealerReps":4,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":240125414,"discretionary":240125414,"discretionaryAccounts":1117,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":2732901,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":504,"regulatoryAum":90842240},{"label":"High-net-worth individuals","clients":176,"regulatoryAum":145706332},{"label":"Charitable organizations","clients":3,"fewerThan5":true,"regulatoryAum":655889},{"label":"Corporations and other businesses","clients":8,"regulatoryAum":2920953}],"feePrograms":[{"role":"main","program":"Investment Advisory Fees","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037645","versionId":1037645,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-03-31","documentName":"FIRM DISCLOSURE BROCHURE","fee_rate_low":null,"fee_rate_high":2.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Services","summary":"Financial planning is billed at an hourly fee up to $500 an hour, or a flat fee generally ranging from $1,000 to $30,000, based on scope and complexity.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037645","versionId":1037645,"submittedOn":"2026-03-31","documentName":"FIRM DISCLOSURE BROCHURE"},{"role":"other","program":"Hourly Consulting Services","summary":"Hourly consulting is generally billed at $100 to $500 per hour, based on the scope and complexity of the engagement.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037645","versionId":1037645,"submittedOn":"2026-03-31","documentName":"FIRM DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:53:42.676518+00:00","documents":[{"name":"FIRM DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037645","versionId":1037645,"submittedOn":"2026-03-31"}]},"custodians":[{"name":"LPL Financial LLC","shortName":"LPL Financial","location":"Fort Mill, SC","smaAssets":208401036}],"custodyNote":"Jennings & Associates Financial Advisors does not have custody of client assets.","leadership":[{"name":"Keith Jennings","title":"Managing Member & Chief Compliance Officer","crd":"3181045"}],"ownership":[{"label":"Keith Jennings","detail":"Managing member & chief compliance officer in the 75% or more ownership band and a control person, since July 2023."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Kentucky","offices":1,"addresses":[{"street":"1920 Broadway Street","city":"Paducah","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"270-448-1010","stateRegisteredReps":5,"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":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":4},{"label":"U.S. government/agency bonds","percent":29},{"label":"Securities issued by registered investment companies or business development companies","percent":61},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/312706/PDF/312706.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037645","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 Jennings & Associates Financial Advisors have?","answer":"Jennings & Associates Financial Advisors has 691 clients and manages $240 million for them, as of March 2026. They include 504 individual clients, 176 high-net-worth individuals, and 8 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Jennings & Associates Financial Advisors offer?","answer":"Jennings & Associates 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 Jennings & Associates Financial Advisors charge?","answer":"Jennings & Associates Financial Advisors charges up to 2.50% for its Investment Advisory Fees. The brochure does not state whether the rate is annual. The fee is billed in advance and is negotiable.","source":"FIRM DISCLOSURE BROCHURE, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Jennings & Associates Financial Advisors use?","answer":"Jennings & Associates Financial Advisors’ separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $208M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Jennings & Associates Financial Advisors have?","answer":"Jennings & Associates Financial Advisors has 5 investment adviser representatives registered with state securities authorities, out of 8 employees, and 5 perform investment advisory functions. 4 employees are registered representatives of a broker-dealer and 3 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 Jennings & Associates Financial Advisors invest in?","answer":"At the end of its last fiscal year, Jennings & Associates Financial Advisors’ separately managed accounts held 61% registered funds (mutual funds, ETFs, BDCs), 29% U.S. government and agency bonds, 6% cash and equivalents and 4% exchange-traded equities.","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 Jennings & Associates Financial Advisors?","answer":"Jennings & Associates Financial Advisors’ direct owner is Keith Jennings (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Jennings & Associates Financial Advisors get paid?","answer":"Jennings & Associates 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 Jennings & Associates Financial Advisors registered with the SEC?","answer":"Yes, Jennings & Associates Financial Advisors has been registered with the SEC as an investment adviser since 29 August 2023. Its CRD number is 312706 and its SEC file number is 801-128650.","source":"Form ADV Part 1A, Item 1, filed 31 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Jennings & Associates Financial Advisors?","answer":"Jennings & Associates Financial Advisors’ main office is at 1920 Broadway Street, Paducah, KY 42001. Its phone number is 270-448-1010.","source":"Form ADV Part 1A, Item 1.F, filed 31 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."}