{"url":"https://nivawealth.com/firms/jps-financial-169208","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/169208","regulatoryAum":377049752,"crd":"169208","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4878350","suffix":null,"lastName":"OKTAVEC","firstName":"NANCY","middleName":"L"},{"crd":"4803346","suffix":null,"lastName":"PINTER","firstName":"GREGORY","middleName":"M"},{"crd":"363878","suffix":null,"lastName":"PINTER","firstName":"JOHN","middleName":"WILLIAM"},{"crd":"5084697","suffix":null,"lastName":"PINTER","firstName":"STEPHEN","middleName":"J"}],"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":"2021-02-25","regulatoryAum":217933786,"clients":240,"employees":4,"offices":1},{"filedOn":"2022-05-23","regulatoryAum":236794453,"clients":261,"employees":5,"offices":1},{"filedOn":"2023-03-16","regulatoryAum":232639632,"clients":273,"employees":4,"offices":1},{"filedOn":"2024-07-16","regulatoryAum":285861812,"clients":277,"employees":4,"offices":1},{"filedOn":"2025-02-20","regulatoryAum":302085800,"clients":275,"employees":4,"offices":1},{"filedOn":"2026-03-05","regulatoryAum":377049752,"clients":279,"employees":4,"offices":1}],"secFileNumber":"801-78803","legalName":"JPS Financial, LLC","displayName":"JPS Financial","slug":"jps-financial-169208","website":"https://jpsfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2014","organization":"Ohio limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2001 Crocker Road, Suite 530","city":"Westlake","state":"OH","stateName":"Ohio","country":"United States","postalCode":"44145"},"tradeNames":[],"registration":{"secApproved":"6 January 2014","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1364370.8795620438,"staff":{"employees":4,"advisory":4,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":377049752,"discretionary":358612200,"discretionaryAccounts":716,"nonDiscretionary":18437552,"nonDiscretionaryAccounts":50,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":158,"regulatoryAum":54429167},{"label":"High-net-worth individuals","clients":116,"regulatoryAum":319408454},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":452011},{"label":"Corporations and other businesses","clients":4,"fewerThan5":true,"regulatoryAum":2760120}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"marginal","fee_tiers":[{"to":250000,"pct":1.25,"from":0},{"to":500000,"pct":1,"from":250000},{"to":1000000,"pct":0.9,"from":500000},{"to":3000000,"pct":0.85,"from":1000000},{"to":6000000,"pct":0.75,"from":3000000},{"to":null,"pct":0.65,"from":6000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015161","versionId":1015161,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-05","documentName":"FORM ADV PART 2 DISCLOSURE BROCHURE","fee_rate_low":0.65,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is $250 an hour or a fixed fee of $1,500 to $5,000, negotiable; ongoing planning is a fixed $1,500 to $5,000, billed quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015161","versionId":1015161,"submittedOn":"2026-03-05","documentName":"FORM ADV PART 2 DISCLOSURE BROCHURE"},{"role":"other","program":"Portfolio Consulting","summary":"Portfolio consulting is an annualized 1.00% of portfolio assets, billed quarterly in advance; single-area consulting is a negotiable $250 an hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015161","versionId":1015161,"submittedOn":"2026-03-05","documentName":"FORM ADV PART 2 DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:53:32.629001+00:00","documents":[{"name":"FORM ADV PART 2 DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015161","versionId":1015161,"submittedOn":"2026-03-05"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":377049752}],"custodyNote":"JPS Financial has custody of $117M in client assets for 119 clients.","otherCustodians":[],"leadership":[{"name":"Gregory Pinter","title":"Member/Chief Compliance Officer","crd":"4803346"},{"name":"John Pinter","title":"Managing Member","crd":"363878"},{"name":"Stephen Pinter","title":"Member","crd":"5084697"}],"ownership":[{"label":"John Pinter","detail":"Managing member in the 10% to 25% ownership band and a control person, since July 2003."},{"label":"Gregory Pinter","detail":"Member/chief compliance officer in the 25% to 50% ownership band and a control person, since January 2014."},{"label":"Stephen Pinter","detail":"Member in the 25% to 50% ownership band and a control person, since January 2014."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"2001 Crocker Road, Suite 530","city":"Westlake","headquarters":true}]}],"brochureServices":["insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"440-899-6350","stateRegisteredReps":4,"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","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":9},{"label":"U.S. government/agency bonds","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":76},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"5 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/169208/PDF/169208.pdf","brochureDate":"5 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015161","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 JPS Financial have?","answer":"JPS Financial has 279 clients and manages $377 million for them, as of March 2026. They include 158 individual clients, 116 high-net-worth individuals, and 4 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does JPS Financial offer?","answer":"JPS Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and insurance.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does JPS Financial charge?","answer":"JPS Financial charges 0.65%–1.25% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2 DISCLOSURE BROCHURE, filed 5 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does JPS Financial use?","answer":"JPS Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $377M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does JPS Financial have?","answer":"JPS Financial has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 0 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 JPS Financial invest in?","answer":"At the end of its last fiscal year, JPS Financial’s separately managed accounts held 76% registered funds (mutual funds, ETFs, BDCs), 10% U.S. government and agency bonds, 9% exchange-traded equities and 5% cash and equivalents.","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 JPS Financial?","answer":"JPS Financial’s direct owners are John Pinter, Gregory Pinter and Stephen Pinter, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does JPS Financial get paid?","answer":"JPS Financial 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 JPS Financial?","answer":"JPS Financial’s main office is at 2001 Crocker Road, Suite 530, Westlake, OH 44145. Its phone number is 440-899-6350. Its website is jpsfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 5 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."}