Laughlin Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, insurance, and tax planning. Financial planning was provided to 51–100 clients last fiscal year.
Laughlin Financial reports 82 clients. They include 50 high-net-worth individuals and 32 individual clients. Of its assets, 83.5% ($167M across 362 accounts) are managed with discretion; $33M across 29 accounts are not. It advised 3 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 39% | 7% |
| High-net-worth individuals | 61% | 93% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 32 | $14.9M | 7.4% | $465K |
| High-net-worth individuals | 50 | $185M | 92.6% | $3.71M |
| Total | 82 | $200M | 100% | $2.44M |
- Clients
- 32
- Regulatory AUM
- $14.9M
- AUM share
- 7.4%
- Avg. per client
- $465K
- Clients
- 50
- Regulatory AUM
- $185M
- AUM share
- 92.6%
- Avg. per client
- $3.71M
Total
- Clients
- 82
- Regulatory AUM
- $200M
- AUM share
- 100%
- Avg. per client
- $2.44M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 3
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 51–100
Laughlin Financial charges 0.35%–1.25% a year for its Asset Management Services. The fee is billed in advance and is negotiable. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Consulting services
- Consulting is billed at $400 an hour, or as a fixed annual fee that can range from $800 to $8,000.
- Financial planning
- Financial planning is billed at $400 an hour, or as a fixed fee typically $800 to $8,000 for a one-time plan.
- Retirement plan services
- Plan sponsors pay a fixed annual fee of up to $8,000, an hourly fee of $400, or an annual fee of 0.50% to 1.5% of plan assets; participants pay $800 to $8,000 a year or 0.50% to 1.50% a year.
John Laughlin owns 75% or more of Laughlin Financial. The leadership team of Laughlin Financial includes President John Laughlin. It has 2 employees.
Leadership
John LaughlinPresident and Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- Max Keegan Varness
Staff
- 2 employees
- 2 in advisory functions
- 2 state-registered reps
- Owns 75% or more of Laughlin Financial LLC
John Laughlin
Control person · since July 2012
Laughlin Financial’s regulatory assets grew 1.6× from $128M (March 2022) to $200M (January 2026); clients rose from 77 to 82 and employees from 1 to 2.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $200M | 82 | 2 | 1 |
| June 2025 | $168M | 81 | 2 | 1 |
| February 2024 | $140M | 80 | 1 | 1 |
| January 2023 | $131M | 79 | 1 | 1 |
| March 2022 | $128M | 77 | 1 | 1 |
Besides its headquarters, Laughlin Financial has 0 offices, with 1 listed address in Indiana.
Indiana · 1 listed address
- 4151 E. 3rd St, BloomingtonHQ
Contact and registration details
- Legal name
- Laughlin Financial LLC
- Headquarters
- 4151 E. 3rd St, Bloomington, IN 47401
- Website
- laughlinfinancial.com
- Phone
- 812-552-2113
- SEC file
- 801-123521
- Structure
- Indiana LLC
- Fiscal year end
- December
Laughlin Financial uses Charles Schwab ($198M, 99%) and Ascensus Broker Dealer Services ($2.49M, 1%) as custodians for its separately managed accounts. Laughlin Financial has custody of $200M in client assets for 81 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $198M99%
- Ascensus Broker Dealer ServicesAscensus Broker Dealer Services, LLC · Newton, MA · $2.49M1%
At year end, Laughlin Financial’s separately managed accounts were mostly in funds (75%) and stocks (16%).
What the accounts hold
- Stocks16%
- Funds75%
- Bonds8%
- Cash1%
How many clients does Laughlin Financial have?
Laughlin Financial has 82 clients and manages $200 million for them, as of January 2026. They include 50 high-net-worth individuals and 32 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 January 2026
What services does Laughlin Financial offer?
Laughlin Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, education planning, insurance, 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
How much does Laughlin Financial charge?
Laughlin Financial charges 0.35%–1.25% a year for its Asset Management Services. The fee is billed in advance and is negotiable.
Source: ADV PART 2A AND 2B DISCLOSURE BROCHURE, filed 9 October 2026
Which custodians does Laughlin Financial use?
Laughlin Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $198M and Ascensus Broker Dealer Services, LLC (Newton, MA), with $2.49M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 January 2026
How many financial advisors does Laughlin Financial have?
Laughlin Financial has 2 investment adviser representatives registered with state securities authorities, out of 2 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
What does Laughlin Financial invest in?
At the end of its last fiscal year, Laughlin Financial’s separately managed accounts held 75% registered funds (mutual funds, ETFs, BDCs), 16% exchange-traded equities, 8% U.S. government and agency bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Laughlin Financial?
Laughlin Financial’s direct owner is John Laughlin (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 23 January 2026
How does Laughlin Financial get paid?
Laughlin 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
Is Laughlin Financial registered with the SEC?
Yes, Laughlin Financial has been registered with the SEC as an investment adviser since 25 March 2022. Its CRD number is 165105 and its SEC file number is 801-123521.
Source: Form ADV Part 1A, Item 1, filed 23 January 2026; IAPD firm record
How do I contact Laughlin Financial?
Laughlin Financial’s main office is at 4151 E. 3rd St, Bloomington, IN 47401. Its phone number is 812-552-2113. Its website is laughlinfinancial.com.