{"url":"https://nivawealth.com/firms/laughlin-financial-165105","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/165105","regulatoryAum":200198285,"crd":"165105","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4674607","suffix":null,"lastName":"LAUGHLIN","firstName":"JOHN","middleName":"R"},{"crd":"8119673","suffix":null,"lastName":"Varness","firstName":"Max","middleName":"Keegan"}],"total":2,"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":"2022-03-28","regulatoryAum":128103169,"clients":77,"employees":1,"offices":1},{"filedOn":"2023-01-16","regulatoryAum":130830749,"clients":79,"employees":1,"offices":1},{"filedOn":"2024-02-26","regulatoryAum":140251883,"clients":80,"employees":1,"offices":1},{"filedOn":"2025-06-20","regulatoryAum":167705938,"clients":81,"employees":2,"offices":1},{"filedOn":"2026-01-23","regulatoryAum":200198285,"clients":82,"employees":2,"offices":1}],"secFileNumber":"801-123521","legalName":"Laughlin Financial LLC","displayName":"Laughlin Financial","slug":"laughlin-financial-165105","website":"https://laughlinfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/165105/efb7d4bb446846d3-r1.webp","tone":"dark","width":608,"height":200,"sourceUrl":"https://laughlinfin.com/","sourceLabel":"Laughlin Financial LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Indiana limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4151 E. 3rd St","city":"Bloomington","state":"IN","stateName":"Indiana","country":"United States","postalCode":"47401"},"tradeNames":[],"registration":{"secApproved":"25 March 2022","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2441442.5,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":200198285,"discretionary":167214889,"discretionaryAccounts":362,"nonDiscretionary":32983396,"nonDiscretionaryAccounts":29,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":32,"regulatoryAum":14892011},{"label":"High-net-worth individuals","clients":50,"regulatoryAum":185306274}],"feePrograms":[{"role":"main","program":"Asset Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060700","versionId":1060700,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-10-09","documentName":"ADV PART 2A AND 2B DISCLOSURE BROCHURE","fee_rate_low":0.35,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Consulting services","summary":"Consulting is billed at $400 an hour, or as a fixed annual fee that can range from $800 to $8,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060700","versionId":1060700,"submittedOn":"2026-10-09","documentName":"ADV PART 2A AND 2B DISCLOSURE BROCHURE"},{"role":"other","program":"Financial planning","summary":"Financial planning is billed at $400 an hour, or as a fixed fee typically $800 to $8,000 for a one-time plan.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060700","versionId":1060700,"submittedOn":"2026-10-09","documentName":"ADV PART 2A AND 2B DISCLOSURE BROCHURE"},{"role":"other","program":"Retirement plan services","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060700","versionId":1060700,"submittedOn":"2026-10-09","documentName":"ADV PART 2A AND 2B DISCLOSURE BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:35:14.204803+00:00","documents":[{"name":"ADV PART 2A AND 2B DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060700","versionId":1060700,"submittedOn":"2026-10-09"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":197707616},{"name":"Ascensus Broker Dealer Services, LLC","shortName":"Ascensus Broker Dealer Services","location":"Newton, MA","smaAssets":2490669}],"custodyNote":"Laughlin Financial has custody of $200M in client assets for 81 clients.","leadership":[{"name":"John Laughlin","title":"President and Chief Compliance Officer","crd":"4674607"}],"ownership":[{"label":"John Laughlin","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since July 2012."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Indiana","offices":1,"addresses":[{"street":"4151 E. 3rd St","city":"Bloomington","headquarters":true}]}],"brochureServices":["education planning","insurance","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"812-552-2113","stateRegisteredReps":2,"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":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":16},{"label":"U.S. government/agency bonds","percent":8},{"label":"Securities issued by registered investment companies or business development companies","percent":75},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"23 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/165105/PDF/165105.pdf","brochureDate":"9 October 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1060700","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 Laughlin Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Laughlin Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Laughlin Financial charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Laughlin Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Laughlin Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Laughlin Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Laughlin Financial?","answer":"Laughlin Financial’s direct owner is John Laughlin (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 23 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Laughlin Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Laughlin Financial registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Laughlin Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 23 January 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."}