{"url":"https://nivawealth.com/firms/richard-young-associates-126124","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/126124","regulatoryAum":1195344742,"crd":"126124","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5538958","suffix":null,"lastName":"ALBANESE","firstName":"ZACHARY","middleName":"L"},{"crd":"7041134","suffix":null,"lastName":"BORDERS","firstName":"RYAN","middleName":"NEAL"},{"crd":"7726589","suffix":null,"lastName":"FOLSOM","firstName":"JUSTIN","middleName":"DAVID"},{"crd":"7794267","suffix":null,"lastName":"GIBSON","firstName":"ABIGAIL","middleName":"MARBERT"},{"crd":"6740321","suffix":null,"lastName":"Marbert","firstName":"Joshua","middleName":"Stephen"},{"crd":"2590560","suffix":null,"lastName":"MARBERT","firstName":"WALTER","middleName":"STEPHEN"},{"crd":"5314369","suffix":null,"lastName":"TRAVIS","firstName":"JOHN","middleName":"RANDOLPH"},{"crd":"6910498","suffix":null,"lastName":"Travis","firstName":"John","middleName":"Matthew"}],"total":8,"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":"2021-04-05","regulatoryAum":531249276,"clients":1295,"employees":12,"offices":1},{"filedOn":"2022-02-24","regulatoryAum":683202076,"clients":1466,"employees":12,"offices":1},{"filedOn":"2023-05-16","regulatoryAum":683802030,"clients":1622,"employees":13,"offices":1},{"filedOn":"2024-02-28","regulatoryAum":837480766,"clients":1725,"employees":15,"offices":1},{"filedOn":"2025-07-10","regulatoryAum":972379424,"clients":1846,"employees":16,"offices":1},{"filedOn":"2026-02-12","regulatoryAum":1195344742,"clients":1940,"employees":16,"offices":2}],"secFileNumber":"801-70318","legalName":"Richard 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fee","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008491","versionId":1008491,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-12","documentName":"FORM ADV PART 2A DISCLOSURE BROCHURE","fee_rate_low":0.5,"fee_rate_high":1.45,"fee_negotiable":true,"minimum_account":50000,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:28:17.102522+00:00","documents":[{"name":"FORM ADV PART 2A DISCLOSURE BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008491","versionId":1008491,"submittedOn":"2026-02-12"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":1172099861}],"custodyNote":"Richard Young Associates has custody of $697M in client assets for 1,073 clients.","leadership":[{"name":"Walter Marbert","title":"President/Chief Compliance Officer","crd":"2590560"},{"name":"Kathryn Marbert","title":"Member/Shareholder","crd":"5544288"}],"ownership":[{"label":"Walter Marbert","detail":"President/chief compliance officer in the 50% to 75% ownership band and a control person, since July 2002."},{"label":"Kathryn Marbert","detail":"Member/shareholder in the 25% to 50% ownership band and a control person, since May 2008."}],"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Georgia","offices":1,"addresses":[{"street":"205 Hudson Trace","city":"Augusta","headquarters":true}]},{"state":"South Carolina","offices":1,"addresses":[{"street":"166 Scruple Way","city":"North Augusta"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"706-739-0725","stateRegisteredReps":8,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":89},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"12 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/126124/PDF/126124.pdf","brochureDate":"12 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1008491","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 Richard Young Associates have?","answer":"Richard Young Associates has 1,940 clients and manages $1.2 billion for them, as of February 2026. They include 1,608 individual clients and 332 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Richard Young Associates offer?","answer":"Richard Young Associates provides financial planning, portfolio management for individuals and small businesses, and educational seminars.","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 Richard Young Associates charge?","answer":"Richard Young Associates charges 0.50%–1.45% a year for its Quarterly portfolio management fee. The fee is billed in advance, is negotiable and requires an account of at least $50,000.","source":"FORM ADV PART 2A DISCLOSURE BROCHURE, filed 12 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Richard Young Associates use?","answer":"Richard Young Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $1.17B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Richard Young Associates have?","answer":"Richard Young Associates has 8 investment adviser representatives registered with state securities authorities, out of 16 employees, and 8 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 Richard Young Associates invest in?","answer":"At the end of its last fiscal year, Richard Young Associates’ separately managed accounts held 89% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities and 1% 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 Richard Young Associates have a minimum investment?","answer":"Yes, Richard Young Associates’ minimum account size for its Quarterly portfolio management fee is $50K.","source":"FORM ADV PART 2A DISCLOSURE BROCHURE, filed 12 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Richard Young Associates?","answer":"Richard Young Associates’ direct owners are Walter Marbert (50% to 75%) and Kathryn Marbert (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Richard Young Associates get paid?","answer":"Richard Young Associates is paid through a percentage of assets under management. 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 Richard Young Associates registered with the SEC?","answer":"Yes, Richard Young Associates has been registered with the SEC as an investment adviser since 22 June 2009. Its CRD number is 126124 and its SEC file number is 801-70318.","source":"Form ADV Part 1A, Item 1, filed 12 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Richard Young Associates?","answer":"Richard Young Associates’ main office is at 205 Hudson Trace, Augusta, GA 30907. Its phone number is 706-739-0725. Its website is investrya.com.","source":"Form ADV Part 1A, Item 1.F, filed 12 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/richard-young-associates-126124/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-27","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2107563/000210756326000003/0002107563-26-000003-index.html","totalValue":150457132,"positionCount":29,"top10Share":0.9500097409805738,"top10":[{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US TARGETED VLU","cusip":"25434V609","value":39048140,"shares":558629,"shareType":"SH","priorValue":34908033,"priorShares":558976},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US MKTWIDE VALUE","cusip":"25434V724","value":38970684,"shares":708429,"shareType":"SH","priorValue":34407816,"priorShares":710025},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US SMALL CAP 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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."}