{"url":"https://nivawealth.com/firms/principled-wealth-advisors-138143","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/138143","regulatoryAum":252109486,"crd":"138143","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6203568","suffix":null,"lastName":"MERRY","firstName":"LUKE","middleName":"THOMAS"},{"crd":"4746247","suffix":null,"lastName":"RANSICK","firstName":"JEREME","middleName":"SEBASTIAN"}],"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"},"secFileNumber":"801-136333","legalName":"Principled Wealth Advisors, LLC","displayName":"Principled Wealth Advisors","slug":"principled-wealth-advisors-138143","website":"https://principledwealth.net/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/principled-wealth-advisors","founded":"2004","organization":"Kentucky limited liability company","fiscalYearEnd":"December","headquarters":{"street":"100 East Rivercenter BLVD, Suite 810","city":"Covington","state":"KY","stateName":"Kentucky","country":"United States","postalCode":"41011-1513"},"tradeNames":[],"registration":{"secApproved":"26 May 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1521678.98,"staff":{"employees":5,"advisory":2,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":252109486,"discretionary":247420994,"discretionaryAccounts":758,"nonDiscretionary":4688492,"nonDiscretionaryAccounts":25,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":53,"regulatoryAum":28572260},{"label":"High-net-worth individuals","clients":97,"regulatoryAum":199679587},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":2858386},{"label":"Corporations and other businesses","clients":5,"regulatoryAum":20999253}],"feePrograms":[{"role":"main","program":"Investment Management Fee","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","versionId":1043854,"ratePeriod":"annual","fee_billing":"both","submittedOn":"2026-05-04","documentName":"PART 2A BROCHURE","fee_rate_low":null,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"529 Plan Service","summary":"Asset-based fee of up to 0.50% annually where the 529 plan allows direct deduction; otherwise a fixed annual fee, typically $200 per account.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","versionId":1043854,"submittedOn":"2026-05-04","documentName":"PART 2A BROCHURE"},{"role":"other","program":"Consulting Services","summary":"Consulting is a flat fee based on scope and complexity, typically $2,000 to $10,000, and is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","versionId":1043854,"submittedOn":"2026-05-04","documentName":"PART 2A BROCHURE"},{"role":"other","program":"Financial Planning","summary":"Standalone financial planning is a flat fee, typically $2,000 to $30,000 depending on scope and complexity, and is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","versionId":1043854,"submittedOn":"2026-05-04","documentName":"PART 2A BROCHURE"},{"role":"other","program":"Retirement Plan Advisory Services","summary":"Advisory fee based on assets under management, negotiated with the plan sponsor, not to exceed 1.0% annually.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","versionId":1043854,"submittedOn":"2026-05-04","documentName":"PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:07:22.654981+00:00","documents":[{"name":"PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","versionId":1043854,"submittedOn":"2026-05-04"}]},"custodians":[{"name":"SEI Private Trust Company","shortName":"SEI Private Trust","location":"Oaks, PA","smaAssets":231778275}],"custodyNote":"Principled Wealth Advisors does not have custody of client assets.","leadership":[{"name":"Luke Merry","title":"Financial Advisor, Member","crd":"6203568"},{"name":"Jereme Ransick","title":"COO, Financial Advisor, Member, CCO","crd":"4746247"}],"ownership":[{"label":"Jereme Ransick","detail":"Coo, financial advisor, member, cco in the 75% or more ownership band and a control person, since January 2016."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Kentucky","offices":1,"addresses":[{"street":"100 East Rivercenter BLVD, Suite 810","city":"Covington","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"859-957-2737","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":24},{"label":"Non-exchange-traded equity securities","percent":3},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":63},{"label":"Cash and cash equivalents","percent":3},{"label":"Other","percent":4,"detail":"Advisory Annuities"}],"privateFunds":0},"sources":{"adv1FilingDate":"22 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/138143/PDF/138143.pdf","brochureDate":"4 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1043854","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 Principled Wealth Advisors have?","answer":"Principled Wealth Advisors has 157 clients and manages $252 million for them, as of June 2026. They include 97 high-net-worth individuals, 53 individual clients, and 5 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 22 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Principled Wealth Advisors offer?","answer":"Principled Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, 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 Principled Wealth Advisors charge?","answer":"Principled Wealth Advisors charges up to 1.00% a year for its Investment Management Fee. The fee is billed in advance or in arrears and is negotiable.","source":"PART 2A BROCHURE, filed 4 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Principled Wealth Advisors use?","answer":"Principled Wealth Advisors’ separately managed account assets are held at SEI Private Trust Company (Oaks, PA), with $232M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Principled Wealth Advisors have?","answer":"Principled Wealth Advisors has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Principled Wealth Advisors invest in?","answer":"At the end of its last fiscal year, Principled Wealth Advisors’ separately managed accounts held 63% registered funds (mutual funds, ETFs, BDCs), 24% exchange-traded equities, 4% other, 3% non-exchange-traded equities, 3% cash and equivalents, 2% state and local bonds and 1% U.S. government and agency bonds. The 4% other category is described as: Advisory Annuities.","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 Principled Wealth Advisors?","answer":"Principled Wealth Advisors’ direct owner is Jereme Ransick (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 22 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Principled Wealth Advisors get paid?","answer":"Principled Wealth Advisors 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":"Is Principled Wealth Advisors registered with the SEC?","answer":"Yes, Principled Wealth Advisors has been registered with the SEC as an investment adviser since 26 May 2026. Its CRD number is 138143 and its SEC file number is 801-136333.","source":"Form ADV Part 1A, Item 1, filed 22 June 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Principled Wealth Advisors?","answer":"Principled Wealth Advisors’ main office is at 100 East Rivercenter BLVD, Suite 810, Covington, KY 41011-1513. Its phone number is 859-957-2737. Its website is principledwealth.net.","source":"Form ADV Part 1A, Item 1.F, filed 22 June 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."}