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The fee is billed in advance and is negotiable.","source":"ADV PART 2A, filed 9 October 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Richmond Investment Services use?","answer":"Richmond Investment Services’ separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $453M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Richmond Investment Services have?","answer":"Richmond Investment Services has 14 investment adviser representatives registered with state securities authorities, out of 22 employees, and 11 perform investment advisory functions. 14 employees are registered representatives of a broker-dealer and 11 employees are 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 Richmond Investment Services invest in?","answer":"At the end of its last fiscal year, Richmond Investment Services’ separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 7% exchange-traded equities, 6% high-yield corporate bonds, 3% cash and equivalents, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% other. 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