{"url":"https://nivawealth.com/firms/ot-financial-170738","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/170738","regulatoryAum":169786911,"crd":"170738","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6317813","suffix":null,"lastName":"KLEPTZ","firstName":"THOMAS","middleName":"JOSEPH"}],"total":1,"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":"2021-07-29","regulatoryAum":115430217,"clients":106,"employees":2,"offices":1},{"filedOn":"2022-02-24","regulatoryAum":140666353,"clients":114,"employees":2,"offices":1},{"filedOn":"2023-04-27","regulatoryAum":119740646,"clients":110,"employees":2,"offices":1},{"filedOn":"2024-03-14","regulatoryAum":142778241,"clients":98,"employees":2,"offices":1},{"filedOn":"2025-03-13","regulatoryAum":152759270,"clients":96,"employees":2,"offices":1},{"filedOn":"2026-03-16","regulatoryAum":169786911,"clients":113,"employees":2,"offices":1}],"secFileNumber":"801-121769","legalName":"Ot Financial, LLC","displayName":"Ot Financial","slug":"ot-financial-170738","website":"https://turnstonefinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Ohio other (specify)","fiscalYearEnd":"December","headquarters":{"street":"220 West Main Street","city":"Troy","state":"OH","stateName":"Ohio","country":"United States","postalCode":"45373"},"tradeNames":[],"registration":{"secApproved":"29 July 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1146137.9380530973,"staff":{"employees":2,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":169786911,"discretionary":169786911,"discretionaryAccounts":240,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":4},"clientTypes":[{"label":"Individuals (other than HNW)","clients":82,"regulatoryAum":17760654},{"label":"High-net-worth individuals","clients":31,"regulatoryAum":111752933},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":37527655},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":2745669}],"feePrograms":[{"role":"main","program":"Fee Schedule","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019131","versionId":1019131,"ratePeriod":"not_stated","fee_billing":"arrears","submittedOn":"2026-03-16","documentName":"ADV PART 2A","fee_rate_low":0.6,"fee_rate_high":1.15,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Account Monitoring","summary":"TF typically charges 0.10% for account monitoring; these fees are negotiable and withdrawn monthly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019131","versionId":1019131,"submittedOn":"2026-03-16","documentName":"ADV PART 2A"},{"role":"other","program":"Non-Marketable Assets","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019131","versionId":1019131,"submittedOn":"2026-03-16","documentName":"ADV PART 2A"},{"role":"other","program":"Tax Preparation","summary":"Tax preparation fee of $75.00 a year per non-trust account; trust account tax prep fees vary with the tax provider's charges.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019131","versionId":1019131,"submittedOn":"2026-03-16","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:55:52.356199+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019131","versionId":1019131,"submittedOn":"2026-03-16"}]},"custodians":[{"name":"National Advisors Trust Company","shortName":"National Advisors Trust","location":"Kansas City, MO","smaAssets":174609244}],"custodyNote":"Ot Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Thomas Kleptz","title":"Principal and Chief Compliance Officer","crd":"6317813"}],"ownership":[{"label":"Thomas Kleptz","detail":"Principal and chief compliance officer in the 75% or more ownership band and a control person, since May 2010."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"220 West Main Street","city":"Troy","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"937-875-2550","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)","Other"],"activities":["Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":56},{"label":"U.S. state and local bonds","percent":5},{"label":"Investment grade corporate bonds","percent":11},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":16},{"label":"Cash and cash equivalents","percent":10},{"label":"Other","percent":2,"detail":"Fuel Alternative, Farm, and Real Estate"}],"privateFunds":0},"sources":{"adv1FilingDate":"16 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/170738/PDF/170738.pdf","brochureDate":"16 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019131","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 Ot Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ot Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Ot Financial charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ot Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ot Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Ot Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Ot Financial?","answer":"Ot Financial’s direct owner is Thomas Kleptz (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ot Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Ot Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 16 March 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."}