{"url":"https://nivawealth.com/firms/ricketts-financial-309381","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/309381","regulatoryAum":314041958,"crd":"309381","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5775185","suffix":null,"lastName":"Ricketts","firstName":"Christopher","middleName":"McCauley"}],"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":"2021-06-03","regulatoryAum":261400000,"clients":100,"employees":4,"offices":1},{"filedOn":"2022-03-22","regulatoryAum":325285062,"clients":110,"employees":4,"offices":1},{"filedOn":"2023-03-21","regulatoryAum":262119584,"clients":115,"employees":4,"offices":1},{"filedOn":"2024-03-15","regulatoryAum":277988656,"clients":114,"employees":4,"offices":1},{"filedOn":"2025-03-19","regulatoryAum":290536499,"clients":114,"employees":4,"offices":1},{"filedOn":"2026-03-26","regulatoryAum":314041958,"clients":115,"employees":3,"offices":1}],"secFileNumber":"801-118963","legalName":"Ricketts Financial, LLC","displayName":"Ricketts Financial","slug":"ricketts-financial-309381","website":"https://ricketts-financial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Delaware limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4360 Brownsboro Road, Suite 115","city":"Louisville","state":"KY","stateName":"Kentucky","country":"United States","postalCode":"40207"},"tradeNames":[],"registration":{"secApproved":"22 June 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2689896.6086956523,"staff":{"employees":3,"advisory":1,"brokerDealerReps":1,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":314041958,"discretionary":309338110,"discretionaryAccounts":287,"nonDiscretionary":4703848,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":66,"regulatoryAum":13899522},{"label":"High-net-worth individuals","clients":49,"regulatoryAum":295438588},{"label":"Pension and profit-sharing plans","clients":0,"fewerThan5":true,"regulatoryAum":4703848}],"feePrograms":[{"role":"main","program":"Investment and Wealth Management Fees","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027528","versionId":1027528,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-26","documentName":"DISCLOSURE BROCHURE FOR RICKETTS FINANCIAL, LLC","fee_rate_low":0.25,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T10:53:31.027581+00:00","documents":[{"name":"DISCLOSURE BROCHURE FOR RICKETTS FINANCIAL, LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027528","versionId":1027528,"submittedOn":"2026-03-26"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":314041958}],"custodyNote":"Ricketts Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Patrick Ricketts","title":"Chief Compliance Officer & Principal","crd":"3245139"},{"name":"Christopher Ricketts","title":"Principal","crd":"5775185"}],"ownership":[{"label":"Patrick Ricketts","detail":"Chief compliance officer & principal in the 50% to 75% ownership band and a control person, since June 2021."},{"label":"Christopher Ricketts","detail":"Principal in the 50% to 75% ownership band and a control person, since June 2020."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Kentucky","offices":1,"addresses":[{"street":"4360 Brownsboro Road, Suite 115","city":"Louisville","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"502-396-4055","stateRegisteredReps":1,"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","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":65},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":18},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":10},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":2},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"26 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/309381/PDF/309381.pdf","brochureDate":"26 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027528","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 Ricketts Financial have?","answer":"Ricketts Financial has 115 clients and manages $314 million for them, as of March 2026. They include 66 individual clients and 49 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ricketts Financial offer?","answer":"Ricketts Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, education planning, estate planning, insurance, philanthropic planning, retirement plan services, 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 Ricketts Financial charge?","answer":"Ricketts Financial charges 0.25%–1.25% a year for its Investment and Wealth Management Fees. The fee is billed in advance and is negotiable.","source":"DISCLOSURE BROCHURE FOR RICKETTS FINANCIAL, LLC, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ricketts Financial use?","answer":"Ricketts Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $314M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ricketts Financial have?","answer":"Ricketts Financial has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 2 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 Ricketts Financial invest in?","answer":"At the end of its last fiscal year, Ricketts Financial’s separately managed accounts held 65% exchange-traded equities, 18% state and local bonds, 10% registered funds (mutual funds, ETFs, BDCs), 2% U.S. government and agency bonds, 2% pooled vehicles (private funds and similar), 2% cash and equivalents and 1% investment grade corporate bonds.","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 Ricketts Financial?","answer":"Ricketts Financial’s direct owners are Patrick Ricketts (50% to 75%) and Christopher Ricketts (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ricketts Financial get paid?","answer":"Ricketts Financial 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":"How do I contact Ricketts Financial?","answer":"Ricketts Financial’s main office is at 4360 Brownsboro Road, Suite 115, Louisville, KY 40207. Its phone number is 502-396-4055. Its website is ricketts-financial.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 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."}