Onyx Financial Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Onyx Financial Advisors reports 272 clients. They include 153 high-net-worth individuals, 112 individual clients and 7 charitable organizations. Of its assets, 100.0% ($506M across 1,045 accounts) are managed with discretion. It advised 1 client without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 41% | 13% |
| High-net-worth individuals | 56% | 85% |
| Pension and profit-sharing plans | Fewer than 5 | <1% |
| Charitable organizations | 3% | <1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 112 | $64.8M | 12.8% | $579K |
| High-net-worth individuals | 153 | $431M | 85.2% | $2.82M |
| Pension and profit-sharing plans | Fewer than 5 | $3.49M | 0.7% | — |
| Charitable organizations | 7 | $4.88M | 1.0% | $697K |
| Corporations and other businesses | Fewer than 5 | $1.87M | 0.4% | — |
| Total | 272 | $506M | 100% | — |
- Clients
- 112
- Regulatory AUM
- $64.8M
- AUM share
- 12.8%
- Avg. per client
- $579K
- Clients
- 153
- Regulatory AUM
- $431M
- AUM share
- 85.2%
- Avg. per client
- $2.82M
- Clients
- Fewer than 5
- Regulatory AUM
- $3.49M
- AUM share
- 0.7%
- Avg. per client
- —
- Clients
- 7
- Regulatory AUM
- $4.88M
- AUM share
- 1.0%
- Avg. per client
- $697K
- Clients
- Fewer than 5
- Regulatory AUM
- $1.87M
- AUM share
- 0.4%
- Avg. per client
- —
Total
- Clients
- 272
- Regulatory AUM
- $506M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 1
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Onyx Financial Advisors charges 0.50%–1.00% a year for its Wealth Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $5,000 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$1M | 1.00% |
| $1M and above | 0.50% |
Fee details and sources
Other fees
- Standalone financial plan
- Standalone financial plans are priced by complexity, with a minimum fee usually between $1,000 and $5,000, and may be negotiable.
TD Financial, Inc. owns 25% to 50% of Onyx Financial Advisors and is in turn owned by Terry Roe (50–75%) and Deborah Roe (25–50%). The leadership team of Onyx Financial Advisors includes Chief Compliance Officer Lyndsay Goody. It has 10 employees, 7 of them in advisory roles.
Leadership
- Lyndsay GoodyChief Compliance Officer
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
Staff
- 10 employees
- 7 in advisory functions
- 7 state-registered reps
- Owns 25% to 50% of Onyx Financial Advisors, LLC
TD Financial, Inc.
Control person · since March 2005
- Owns 50% to 75% of TD Financial, Inc.
Terry Roe
Control person · since March 2005
- Owns 25% to 50% of TD Financial, Inc.
Deborah Roe
Control person · since March 2005
- Owns 25% to 50% of Onyx Financial Advisors, LLC
Ca Services, Inc.
Control person · since May 2018
- Owns 50% to 75% of Ca Services, Inc.
Aaron Sautter
Control person · since May 2018
- Owns 25% to 50% of Ca Services, Inc.
Candace Sautter
Control person · since May 2018
- Owns 25% to 50% of Onyx Financial Advisors, LLC
Lyndsgood, Inc.
Control person · since May 2018
- Owns 75% or more of Lyndsgood, Inc.
Lyndsay Goody
Control person · since May 2018
Onyx Financial Advisors’ regulatory assets grew 1.9× from $261M (February 2021) to $506M (February 2026); clients rose from 201 to 272 and employees from 7 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| February 2026 | $506M | 272 | 10 | 1 |
| February 2025 | $427M | 247 | 8 | 1 |
| January 2024 | $356M | 243 | 9 | 1 |
| June 2023 | $300M | 236 | 9 | 1 |
| February 2022 | $326M | 220 | 10 | 1 |
| February 2021 | $261M | 201 | 7 | 1 |
Besides its headquarters, Onyx Financial Advisors has 0 offices, with 1 listed address in Idaho.
Idaho · 1 listed address
- 2400 E. 25th Street, Idaho FallsHQ
Contact and registration details
- Legal name
- Onyx Financial Advisors, LLC
- Headquarters
- 2400 E. 25th Street, Idaho Falls, ID 83404
- Website
- onyxfinancial.com
- Phone
- 208-522-6400
- @onyx-financial-advisors
- SEC file
- 801-107355
- Founded
- 2005
- Structure
- Idaho LLC
- Fiscal year end
- December
Onyx Financial Advisors uses Fidelity ($506M) as custodian for its separately managed accounts. Onyx Financial Advisors has custody of $19.6M in client assets for 12 clients.
- FidelityNational Financial Services LLC · Boston, MA · $506M100%
At year end, Onyx Financial Advisors’ separately managed accounts were mostly in funds (95%). Its reported 13F holdings for the quarter ended 30 June 2026 total $278M across 18 positions; the largest are Dimensional ETF Trust (60.5%), Dimensional ETF Trust (15.7%) and Dimensional ETF Trust (7.0%).
What the accounts hold
- Stocks2%
- Funds95%
- Cash3%
Reported 13F holdings
- $278M
- Reported 13F value
- 18
- Positions
- 97.6%
- In the 10 largest
- +15.2%
- Value vs. prior quarter
- Dimensional ETF Trust · US Cor Equ 2 ETF60.5%
- Dimensional ETF Trust · World EX US Core15.7%
- Dimensional ETF Trust · Shor Dur Fix ETF7.0%
- Dimensional ETF Trust · Ultr Fix Inc. ETF4.6%
- Dimensional ETF Trust · US Real Esta ETF4.2%
- Dimensional ETF Trust · Core Fixe IN ETF1.7%
- Glacier Bancorp Inc. New1.5%
- Microsoft Corp.1.0%
- Dimensional ETF Trust · Inflation Prote0.8%
- Dimensional ETF Trust · US Cor Equ 1 ETF0.6%
Together, the ten largest are 97.6% of reported value.
How many clients does Onyx Financial Advisors have?
Onyx Financial Advisors has 272 clients and manages $506 million for them, as of February 2026. They include 153 high-net-worth individuals, 112 individual clients and 7 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 19 February 2026
What services does Onyx Financial Advisors offer?
Onyx Financial Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate 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 Onyx Financial Advisors charge?
Onyx Financial Advisors charges 0.50%–1.00% a year for its Wealth Management. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $5,000 annual minimum.
Source: ONYX FINANCIAL ADVISORS, FORM ADV PART 2A 102416 UPDATE, filed 17 February 2026
Which custodians does Onyx Financial Advisors use?
Onyx Financial Advisors’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $506M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 19 February 2026
How many financial advisors does Onyx Financial Advisors have?
Onyx Financial Advisors has 7 investment adviser representatives registered with state securities authorities, out of 10 employees, and 7 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 Onyx Financial Advisors invest in?
At the end of its last fiscal year, Onyx Financial Advisors’ separately managed accounts held 95% registered funds (mutual funds, ETFs, BDCs), 3% cash and equivalents and 2% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Onyx Financial Advisors?
Onyx Financial Advisors is owned through holding companies by Terry and Deborah Roe, Lyndsay Goody, and Aaron and Candace Sautter. Its direct owners are TD Financial, Inc., Ca Services, Inc. and Lyndsgood, Inc., each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 19 February 2026
How does Onyx Financial Advisors get paid?
Onyx Financial Advisors is paid through a percentage of assets under management, fixed fees and other compensation. 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 Onyx Financial Advisors registered with the SEC?
Yes, Onyx Financial Advisors has been registered with the SEC as an investment adviser since 24 March 2016. Its CRD number is 134881 and its SEC file number is 801-107355.
Source: Form ADV Part 1A, Item 1, filed 19 February 2026; IAPD firm record
How do I contact Onyx Financial Advisors?
Onyx Financial Advisors’ main office is at 2400 E. 25th Street, Idaho Falls, ID 83404. Its phone number is 208-522-6400. Its website is onyxfinancial.com.