{"url":"https://nivawealth.com/firms/rlb-financial-151778","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/151778","regulatoryAum":173597197,"crd":"151778","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2609079","suffix":"SR.","lastName":"BALTZELL","firstName":"ROBERT","middleName":"LEE"},{"crd":"5578486","suffix":"II","lastName":"MILLER","firstName":"WAYNE","middleName":"ANTHONY"},{"crd":"6483975","suffix":null,"lastName":"THOMAS","firstName":"MICHAEL","middleName":"JACOB"}],"total":3,"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":"2024-02-12","regulatoryAum":128026784,"clients":467,"employees":4,"offices":3},{"filedOn":"2025-02-06","regulatoryAum":149113737,"clients":381,"employees":4,"offices":3},{"filedOn":"2026-03-06","regulatoryAum":173597197,"clients":607,"employees":4,"offices":2}],"secFileNumber":"801-128918","legalName":"RLB Financial LLC","displayName":"RLB Financial","slug":"rlb-financial-151778","website":"https://rlbfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Missouri limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2530 S. Campbell, Suite I, #130","city":"Springfield","state":"MO","stateName":"Missouri","country":"United States","postalCode":"65807"},"tradeNames":[],"registration":{"secApproved":"19 October 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":285992.0873146623,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":1},"aum":{"regulatory":173597197,"discretionary":173597197,"discretionaryAccounts":609,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":583,"regulatoryAum":99722978},{"label":"High-net-worth individuals","clients":24,"regulatoryAum":73874219}],"feePrograms":[{"role":"other","program":"Financial Planning","summary":"Financial planning is a flat fee with a maximum of $3,000, billed 50% in advance with the balance due on plan delivery.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015239","versionId":1015239,"submittedOn":"2026-03-06","documentName":"RLB ADV2A/2B SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T14:00:36.781832+00:00","documents":[{"name":"RLB ADV2A/2B SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015239","versionId":1015239,"submittedOn":"2026-03-06"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Lynchburg, VT","smaAssets":172597479}],"custodyNote":"RLB Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Baltzell","title":"Managing Member/CCO","crd":"2609079"}],"ownership":[{"label":"Robert Baltzell","detail":"Managing member/cco in the 75% or more ownership band and a control person, since September 2009."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1547 Palma DR.","city":"Ventura"}]},{"state":"Missouri","offices":1,"addresses":[{"street":"2530 S. Campbell, Suite I, #130","city":"Springfield","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"866-686-8097","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":80},{"label":"U.S. government/agency bonds","percent":20}],"privateFunds":0},"sources":{"adv1FilingDate":"6 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/151778/PDF/151778.pdf","brochureDate":"6 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015239","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 RLB Financial have?","answer":"RLB Financial has 607 clients and manages $174 million for them, as of March 2026. They include 583 individual clients and 24 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does RLB Financial offer?","answer":"RLB Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does RLB Financial use?","answer":"RLB Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Lynchburg, VT), with $173M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does RLB Financial have?","answer":"RLB Financial has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. 0 employees are registered representatives 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 RLB Financial invest in?","answer":"At the end of its last fiscal year, RLB Financial’s separately managed accounts held 80% exchange-traded equities and 20% U.S. government and agency 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 RLB Financial?","answer":"RLB Financial’s direct owner is Robert Baltzell (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does RLB Financial get paid?","answer":"RLB Financial is paid through a percentage of assets under management, fixed fees and other compensation. 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 RLB Financial?","answer":"RLB Financial’s main office is at 2530 S. Campbell, Suite I, #130, Springfield, MO 65807. Its phone number is 866-686-8097. Its website is rlbfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 6 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."}