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They include 419 individual clients, 80 high-net-worth individuals, and 8 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Laraway Financial Advisors offer?","answer":"Laraway Financial Advisors 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 Laraway Financial Advisors charge?","answer":"Laraway Financial Advisors charges 0.25%–1.50% a year for its Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and requires an account of at least $25,000.","source":"LFA ADV BROCHURE, filed 24 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Laraway Financial Advisors use?","answer":"Laraway Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $327M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Laraway Financial Advisors have?","answer":"Laraway Financial Advisors has 7 investment adviser representatives registered with state securities authorities, out of 7 employees, and 7 perform investment advisory functions. 6 employees are registered representatives of a broker-dealer and 5 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 Laraway Financial Advisors invest in?","answer":"At the end of its last fiscal year, Laraway Financial Advisors’ separately managed accounts held 47% registered funds (mutual funds, ETFs, BDCs), 27% cash and equivalents and 26% 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":"Does Laraway Financial Advisors have a minimum investment?","answer":"Yes, Laraway Financial Advisors’ minimum account size for its Portfolio Management Services is $25K.","source":"LFA ADV BROCHURE, filed 24 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Laraway Financial Advisors?","answer":"Laraway Financial Advisors’ direct owners are James Schmitz (25% to 50%) and Christopher Wayne (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 24 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Laraway Financial Advisors get paid?","answer":"Laraway 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 Laraway Financial Advisors registered with the SEC?","answer":"Yes, Laraway Financial Advisors has been registered with the SEC as an investment adviser since 14 May 2004. Its CRD number is 114674 and its SEC file number is 801-63115.","source":"Form ADV Part 1A, Item 1, filed 24 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Laraway Financial Advisors?","answer":"Laraway Financial Advisors’ main office is at 1219 - 33rd Street South, St. Cloud, MN 56301. Its phone number is 320-253-2490. 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