{"url":"https://nivawealth.com/firms/kaizen-financial-strategies-298248","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/298248","regulatoryAum":287108827,"crd":"298248","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6270480","suffix":null,"lastName":"AHMED","firstName":"IFTIKHAR","middleName":"MAHMUD"},{"crd":"3008616","suffix":null,"lastName":"AHMED","firstName":"SAADIA","middleName":"SHAKUR"},{"crd":"4453934","suffix":null,"lastName":"GREENE","firstName":"SAUL","middleName":"RICHARD"},{"crd":"7277093","suffix":null,"lastName":"SOHAIL","firstName":"ZAINEB","middleName":"SUMAYYA"},{"crd":"4881131","suffix":null,"lastName":"STACHNICK","firstName":"JOHN","middleName":"ANTONE"}],"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":"2021-01-11","regulatoryAum":142321567,"clients":235,"employees":6,"offices":1},{"filedOn":"2022-01-26","regulatoryAum":176585470,"clients":250,"employees":8,"offices":1},{"filedOn":"2023-02-20","regulatoryAum":141286698,"clients":260,"employees":7,"offices":1},{"filedOn":"2024-05-07","regulatoryAum":182673115,"clients":265,"employees":6,"offices":1},{"filedOn":"2025-03-24","regulatoryAum":234439946,"clients":285,"employees":5,"offices":1},{"filedOn":"2026-03-03","regulatoryAum":287108827,"clients":284,"employees":5,"offices":1}],"secFileNumber":"801-114234","legalName":"Kaizen Financial Strategies, LLC","displayName":"Kaizen Financial Strategies","slug":"kaizen-financial-strategies-298248","website":"https://kfstrategies.us/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/18979364/admin/","founded":"2018","organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"6700 Koll Center Parkway, Suite 255","city":"Pleasanton","state":"CA","stateName":"California","country":"United States","postalCode":"94566"},"tradeNames":[],"registration":{"secApproved":"2 November 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":972381.8204225352,"staff":{"employees":5,"advisory":5,"brokerDealerReps":0,"insuranceAgents":4,"promoters":0},"aum":{"regulatory":287108827,"discretionary":285232320,"discretionaryAccounts":726,"nonDiscretionary":1876507,"nonDiscretionaryAccounts":23,"wrapProgram":287259968,"nonUsClientsPct":5,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":229,"regulatoryAum":143573374},{"label":"High-net-worth individuals","clients":55,"regulatoryAum":132583063},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":8307701},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":2644689}],"feePrograms":[{"role":"main","program":"Wrap Asset Management","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013758","versionId":1013758,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-03","documentName":"FORM ADV PART 2A APP 1 - WRAP FEE BROCHURE","fee_rate_low":null,"fee_rate_high":2.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:08:13.292181+00:00","documents":[{"name":"FORM ADV PART 2A - FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013759","versionId":1013759,"submittedOn":"2026-03-03"},{"name":"FORM ADV PART 2A APP 1 - WRAP FEE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013758","versionId":1013758,"submittedOn":"2026-03-03"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":279666640}],"custodyNote":"Kaizen Financial Strategies has custody of $53.2M in client assets for 149 clients.","otherCustodians":[],"leadership":[{"name":"John Stachnick","title":"Chief Compliance Officer","crd":"4881131"},{"name":"Saadia Ahmed","title":"Managing Member","crd":"3008616"},{"name":"Iftikhar Ahmed","title":"Managing Member","crd":"6270480"}],"ownership":[{"label":"Iftikhar Ahmed","detail":"Managing member in the 50% to 75% ownership band and a control person, since November 2018."},{"label":"Saadia Ahmed","detail":"Managing member in the 50% to 75% ownership band and a control person, since November 2018."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"6700 Koll Center Parkway, Suite 255","city":"Pleasanton","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"408-819-9010","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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":40},{"label":"U.S. government/agency bonds","percent":3},{"label":"Derivatives","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":52},{"label":"Cash and cash equivalents","percent":3},{"label":"Other","percent":1,"detail":"Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"3 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/298248/PDF/298248.pdf","brochureDate":"3 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1013758","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 Kaizen Financial Strategies have?","answer":"Kaizen Financial Strategies has 284 clients and manages $287 million for them, as of March 2026. They include 229 individual clients and 55 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Kaizen Financial Strategies offer?","answer":"Kaizen Financial Strategies provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, philanthropic planning, and tax planning.","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 Kaizen Financial Strategies charge?","answer":"Kaizen Financial Strategies charges up to 2.25% a year for its Wrap Asset Management. The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2A APP 1 - WRAP FEE BROCHURE, filed 3 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Kaizen Financial Strategies use?","answer":"Kaizen Financial Strategies’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $280M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Kaizen Financial Strategies have?","answer":"Kaizen Financial Strategies has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 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 Kaizen Financial Strategies invest in?","answer":"At the end of its last fiscal year, Kaizen Financial Strategies’ separately managed accounts held 52% registered funds (mutual funds, ETFs, BDCs), 40% exchange-traded equities, 3% U.S. government and agency bonds, 3% cash and equivalents, 1% derivatives and 1% other. The 1% other category is described as: Annuities.","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 Kaizen Financial Strategies?","answer":"Kaizen Financial Strategies’ direct owners are Iftikhar Ahmed (50% to 75%) and Saadia Ahmed (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Kaizen Financial Strategies get paid?","answer":"Kaizen Financial Strategies 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 Kaizen Financial Strategies?","answer":"Kaizen Financial Strategies’ main office is at 6700 Koll Center Parkway, Suite 255, Pleasanton, CA 94566. Its phone number is 408-819-9010. Its website is kfstrategies.us.","source":"Form ADV Part 1A, Item 1.F, filed 3 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."}