Ot Financial provides portfolio management for individuals and small businesses and selecting other managers.
Ot Financial reports 113 clients. They include 82 individual clients and 31 high-net-worth individuals. Of its assets, 100.0% ($170M across 240 accounts) are managed with discretion. It advised 4 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 73% | 10% |
| High-net-worth individuals | 27% | 66% |
| Charitable organizations | Fewer than 5 | 22% |
| Corporations and other businesses | Fewer than 5 | 2% |
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) | 82 | $17.8M | 10.5% | $217K |
| High-net-worth individuals | 31 | $112M | 65.8% | $3.6M |
| Charitable organizations | Fewer than 5 | $37.5M | 22.1% | — |
| Corporations and other businesses | Fewer than 5 | $2.75M | 1.6% | — |
| Total | 113 | $170M | 100% | — |
- Clients
- 82
- Regulatory AUM
- $17.8M
- AUM share
- 10.5%
- Avg. per client
- $217K
- Clients
- 31
- Regulatory AUM
- $112M
- AUM share
- 65.8%
- Avg. per client
- $3.6M
- Clients
- Fewer than 5
- Regulatory AUM
- $37.5M
- AUM share
- 22.1%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $2.75M
- AUM share
- 1.6%
- Avg. per client
- —
Total
- Clients
- 113
- Regulatory AUM
- $170M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 4
- Private funds advised
- 0
Ot Financial charges 0.60%–1.15% for its Fee Schedule. The brochure does not state whether the rate is annual. The fee is billed in arrears and is negotiable. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Account Monitoring
- TF typically charges 0.10% for account monitoring; these fees are negotiable and withdrawn monthly in arrears.
- Non-Marketable Assets
- Non-marketable assets (notes, real estate, life insurance) are not charged a market value fee; a negotiated flat fee per asset is charged in arrears.
- Tax Preparation
- Tax preparation fee of $75.00 a year per non-trust account; trust account tax prep fees vary with the tax provider's charges.
Thomas Kleptz owns 75% or more of Ot Financial. The leadership team of Ot Financial includes Chief Compliance Officer Thomas Kleptz. It has 2 employees, 1 of them in advisory roles.
Leadership
- Thomas KleptzPrincipal and Chief Compliance Officer
Investment adviser representatives
1 representatives listed in the SEC register as of 9 October 2026.
Staff
- 2 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Ot Financial, LLC
Thomas Kleptz
Control person · since May 2010
Ot Financial’s regulatory assets grew from $115M (July 2021) to $170M (March 2026); clients rose from 106 to 113 and employees were 2 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $170M | 113 | 2 | 1 |
| March 2025 | $153M | 96 | 2 | 1 |
| March 2024 | $143M | 98 | 2 | 1 |
| April 2023 | $120M | 110 | 2 | 1 |
| February 2022 | $141M | 114 | 2 | 1 |
| July 2021 | $115M | 106 | 2 | 1 |
Besides its headquarters, Ot Financial has 0 offices, with 1 listed address in Ohio.
Ohio · 1 listed address
- 220 West Main Street, TroyHQ
Contact and registration details
- Legal name
- Ot Financial, LLC
- Headquarters
- 220 West Main Street, Troy, OH 45373
- Website
- turnstonefinancial.com
- Phone
- 937-875-2550
- SEC file
- 801-121769
- Structure
- Ohio other (specify)
- Fiscal year end
- December
Ot Financial uses National Advisors Trust ($175M) as custodian for its separately managed accounts. Ot Financial does not have custody of client assets.
The filed custodian amounts total more than regulatory assets under management. Each amount is shown as filed.
- National Advisors TrustNational Advisors Trust Company · Kansas City, MO · $175M100%
At year end, Ot Financial’s separately managed accounts were mostly in stocks (56%) and bonds (17%).
What the accounts hold
- Stocks56%
- Funds16%
- Bonds17%
- Investment grade corporate bonds11%
- State and local bonds5%
- High-yield corporate bonds1%
- Cash10%
- Other2%
- Fuel alternative, farm, and real estate2%
How many clients does Ot Financial have?
Ot Financial has 113 clients and manages $170 million for them, as of March 2026. They include 82 individual clients and 31 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026
What services does Ot Financial offer?
Ot Financial provides portfolio management for individuals and small businesses and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Ot Financial charge?
Ot Financial charges 0.60%–1.15% for its Fee Schedule. The brochure does not state whether the rate is annual. The fee is billed in arrears and is negotiable.
Source: ADV PART 2A, filed 16 March 2026
Which custodians does Ot Financial use?
Ot Financial’s separately managed account assets are held at National Advisors Trust Company (Kansas City, MO), with $175M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026
How many financial advisors does Ot Financial have?
Ot Financial has 1 investment adviser representative registered with state securities authorities, out of 2 employees, and 1 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 Ot Financial invest in?
At the end of its last fiscal year, Ot Financial’s separately managed accounts held 56% exchange-traded equities, 16% registered funds (mutual funds, ETFs, BDCs), 11% investment grade corporate bonds, 10% cash and equivalents, 5% state and local bonds, 2% other and 1% high-yield corporate bonds. The 2% other category is described as: Fuel Alternative, Farm, and Real Estate.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Ot Financial?
Ot Financial’s direct owner is Thomas Kleptz (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 16 March 2026
How does Ot Financial get paid?
Ot Financial 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
How do I contact Ot Financial?
Ot Financial’s main office is at 220 West Main Street, Troy, OH 45373. Its phone number is 937-875-2550. Its website is turnstonefinancial.com.