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Kulyk & Associates have?","answer":"M. Kulyk & Associates has 549 clients and manages $840 million for them, as of July 2026. They include 314 individual clients, 225 high-net-worth individuals and 7 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 July 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does M. Kulyk & Associates offer?","answer":"M. Kulyk & Associates provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, tax planning, and tax preparation.","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 M. Kulyk & Associates charge?","answer":"M. Kulyk & Associates charges 0.50%–1.00% a year for its Financial Life Planning or Portfolio Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $10,000 annual minimum.","source":"M. KULYK & ASSOCIATES, LLC DBA CHICORY WEALTH ADV PART 2A BROCHURE, filed 13 July 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does M. Kulyk & Associates use?","answer":"M. Kulyk & Associates’ separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $812M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 July 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does M. Kulyk & Associates have?","answer":"M. Kulyk & Associates has 12 investment adviser representatives registered with state securities authorities, out of 23 employees, and 12 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 M. Kulyk & Associates invest in?","answer":"At the end of its last fiscal year, M. Kulyk & Associates’ separately managed accounts held 58% exchange-traded equities, 37% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents, 1% non-exchange-traded equities and 1% state and local bonds. It advises 1 private fund.","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 M. Kulyk & Associates?","answer":"M. Kulyk & Associates’ direct owners are Farley Kulyk Family Living Trust (75% or more), Mary Shaltis (10% to 25%), Jacob Newcomer (5% to 10%), Daniel McNabb (5% to 10%) and Daniel Kirslis (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 13 July 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does M. Kulyk & Associates get paid?","answer":"M. Kulyk & Associates is paid through a percentage of assets under management 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 M. Kulyk & Associates?","answer":"Its phone number is 404-294-5917. 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