{"url":"https://nivawealth.com/firms/rademacher-financial-114067","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/114067","regulatoryAum":234295142,"crd":"114067","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1578371","suffix":null,"lastName":"COX","firstName":"ROGER","middleName":"HARRINGTON"},{"crd":"7663880","suffix":null,"lastName":"D'Angelo","firstName":"Gabriel","middleName":"Philip"},{"crd":"6244842","suffix":null,"lastName":"MICHAEL","firstName":"KEVIN","middleName":"LEE"},{"crd":"2233448","suffix":null,"lastName":"RADEMACHER","firstName":"PHILLIP","middleName":"ADAM"},{"crd":"4096039","suffix":null,"lastName":"RADEMACHER","firstName":"RACHEL","middleName":"ELLEN"},{"crd":"7992714","suffix":null,"lastName":"Sramek","firstName":"Ronan","middleName":null}],"total":6,"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":"2021-06-30","regulatoryAum":187419856,"clients":379,"employees":9,"offices":3},{"filedOn":"2022-05-03","regulatoryAum":149209273,"clients":293,"employees":6,"offices":2},{"filedOn":"2023-07-10","regulatoryAum":119119052,"clients":319,"employees":7,"offices":2},{"filedOn":"2024-07-12","regulatoryAum":180479079,"clients":339,"employees":6,"offices":2},{"filedOn":"2025-04-01","regulatoryAum":262884125,"clients":347,"employees":6,"offices":2},{"filedOn":"2026-03-03","regulatoryAum":234295142,"clients":343,"employees":6,"offices":2}],"secFileNumber":"801-113139","legalName":"Rademacher Financial, Inc.","displayName":"Rademacher Financial","slug":"rademacher-financial-114067","website":"https://rademacherfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"http://www.linkedin.com/company/rademacher-financial-inc-/","founded":null,"organization":"Kansas corporation","fiscalYearEnd":"December","headquarters":{"street":"1505 Kasold Drive","city":"Lawrence","state":"KS","stateName":"Kansas","country":"United States","postalCode":"66047"},"tradeNames":[],"registration":{"secApproved":"3 May 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":568489.2121212122,"staff":{"employees":6,"advisory":5,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":234295142,"discretionary":231518566,"discretionaryAccounts":1176,"nonDiscretionary":2776576,"nonDiscretionaryAccounts":8,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":3},"clientTypes":[{"label":"Individuals (other than HNW)","clients":286,"regulatoryAum":78782401},{"label":"High-net-worth individuals","clients":44,"regulatoryAum":108819039},{"label":"Charitable organizations","clients":3,"regulatoryAum":513516},{"label":"State or municipal government entities","clients":4,"regulatoryAum":43689023},{"label":"Corporations and other businesses","clients":6,"regulatoryAum":2491163}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014112","versionId":1014112,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-03","documentName":"RADEMACHER FINANCIAL, INC. ADV BROCHURE","fee_rate_low":null,"fee_rate_high":2,"fee_negotiable":true,"minimum_account":250000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and consulting","summary":"Negotiable fees: hourly rates of $75 to $550, flat fees of $490 to $7,500, or annual retainers of $490 to $3,000 billed in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014112","versionId":1014112,"submittedOn":"2026-03-03","documentName":"RADEMACHER FINANCIAL, INC. ADV BROCHURE"},{"role":"other","program":"Individual retirement plan consulting","summary":"Annual fees of 0.90% to 1.00% of the participant's retirement plan asset value, payable quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014112","versionId":1014112,"submittedOn":"2026-03-03","documentName":"RADEMACHER FINANCIAL, INC. ADV BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:33:20.597802+00:00","documents":[{"name":"RADEMACHER FINANCIAL, INC. ADV BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014112","versionId":1014112,"submittedOn":"2026-03-03"}]},"custodians":[{"name":"Raymond James & Associates, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":217882878}],"custodyNote":"Rademacher Financial has custody of $877K for 5 clients.","otherCustodians":[],"leadership":[{"name":"Phillip Rademacher","title":"President/Chief Compliance Officer","crd":"2233448"},{"name":"Rachel Rademacher","title":"Vice President","crd":"4096039"}],"ownership":[{"label":"Phillip Rademacher","detail":"President/chief compliance officer in the 50% to 75% ownership band and a control person, since October 1999."},{"label":"Rachel Rademacher","detail":"Vice president in the 50% to 75% ownership band and a control person, since October 1999."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Kansas","offices":1,"addresses":[{"street":"1505 Kasold Drive","city":"Lawrence","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"785-865-5308","stateRegisteredReps":6,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","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","Other"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":6},{"label":"U.S. government/agency bonds","percent":19},{"label":"Securities issued by registered investment companies or business development companies","percent":70},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"3 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/114067/PDF/114067.pdf","brochureDate":"3 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014112","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 Rademacher Financial have?","answer":"Rademacher Financial has 343 clients and manages $234 million for them, as of March 2026. They include 286 individual clients, 44 high-net-worth individuals, and 6 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Rademacher Financial offer?","answer":"Rademacher Financial provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","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 Rademacher Financial charge?","answer":"Rademacher Financial charges up to 2.00% a year for its Portfolio Management Services. The fee is billed in advance, is negotiable and requires an account of at least $250,000.","source":"RADEMACHER FINANCIAL, INC. ADV BROCHURE, filed 3 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Rademacher Financial use?","answer":"Rademacher Financial’s separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $218M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Rademacher Financial have?","answer":"Rademacher Financial has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 5 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 Rademacher Financial invest in?","answer":"At the end of its last fiscal year, Rademacher Financial’s separately managed accounts held 70% registered funds (mutual funds, ETFs, BDCs), 19% U.S. government and agency bonds, 6% exchange-traded equities and 5% cash and equivalents.","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":"Does Rademacher Financial have a minimum investment?","answer":"Yes, Rademacher Financial’s minimum account size for its Portfolio Management Services is $250K.","source":"RADEMACHER FINANCIAL, INC. ADV BROCHURE, filed 3 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Rademacher Financial?","answer":"Rademacher Financial’s direct owners are Phillip Rademacher (50% to 75%) and Rachel Rademacher (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 3 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Rademacher Financial get paid?","answer":"Rademacher Financial is paid through a percentage of assets under management, hourly charges 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 Rademacher Financial?","answer":"Rademacher Financial’s main office is at 1505 Kasold Drive, Lawrence, KS 66047. Its phone number is 785-865-5308. Its website is rademacherfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 3 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."}