{"url":"https://nivawealth.com/firms/ryzome-investment-advisors-170762","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/170762","regulatoryAum":116095598,"crd":"170762","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6656602","suffix":null,"lastName":"Ballor","firstName":"Erin","middleName":"Louise"},{"crd":"4453915","suffix":null,"lastName":"GUNNS","firstName":"KEVIN","middleName":"D"}],"total":2,"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"},"secFileNumber":"801-135589","legalName":"Ryzome Investment Advisors, LLC","displayName":"Ryzome Investment Advisors","slug":"ryzome-investment-advisors-170762","website":"https://ryzomeadvisors.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"4121 Okemos RD, Suite 24","city":"Okemos","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48864"},"tradeNames":[],"registration":{"secApproved":"18 March 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":172442.19613670133,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":116095598,"discretionary":116095598,"discretionaryAccounts":675,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":650,"regulatoryAum":81703344},{"label":"High-net-worth individuals","clients":23,"regulatoryAum":34350254},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":42000}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"whole_balance","fee_tiers":[{"to":500000,"pct":1,"from":0},{"to":1000000,"pct":0.85,"from":500000},{"to":3000000,"pct":0.75,"from":1000000},{"to":null,"pct":0.5,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009376","versionId":1009376,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-17","documentName":"ADV 2A & 2B","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Hourly Financial Planning and Consulting","summary":"Financial planning and consulting billed at an hourly fee of $75 per hour, with an estimated plan fee given before the work; plans billed on completion.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009376","versionId":1009376,"submittedOn":"2026-02-17","documentName":"ADV 2A & 2B"},{"role":"other","program":"Ongoing Financial Planning and Consulting","summary":"Ongoing planning and consulting at an annual fee never to exceed $10,000, charged quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009376","versionId":1009376,"submittedOn":"2026-02-17","documentName":"ADV 2A & 2B"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T14:55:57.917244+00:00","documents":[{"name":"ADV 2A & 2B","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009376","versionId":1009376,"submittedOn":"2026-02-17"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Orlando, FL","smaAssets":116095598}],"custodyNote":"Ryzome Investment Advisors does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Kevin Gunns","title":"Chief Financial Officer -Principal","crd":"4453915"},{"name":"Erin Ballor","title":"Chief Compliance Officer -Principal","crd":"6656602"},{"name":"David Leonard","title":"Consultant - Principal","crd":"1184845"}],"ownership":[{"label":"David Leonard","detail":"Consultant - principal in the 10% to 25% ownership band, since January 2025."},{"label":"Kevin Gunns","detail":"Chief financial officer -principal in the 25% to 50% ownership band and a control person, since May 2016."},{"label":"Erin Ballor","detail":"Chief compliance officer -principal in the 25% to 50% ownership band and a control person, since January 2025."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"4121 Okemos RD, Suite 24","city":"Okemos","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"517-347-2210","stateRegisteredReps":2,"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"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":50},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":29},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"7 June 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/170762/PDF/170762.pdf","brochureDate":"17 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009376","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 Ryzome Investment Advisors have?","answer":"Ryzome Investment Advisors has 673 clients and manages $116 million for them, as of June 2026. They include 650 individual clients and 23 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 7 June 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Ryzome Investment Advisors offer?","answer":"Ryzome Investment Advisors provides financial planning and portfolio management for individuals and small businesses.","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 Ryzome Investment Advisors charge?","answer":"Ryzome Investment Advisors charges 0.50%–1.00% a year for its Asset Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance and is negotiable.","source":"ADV 2A & 2B, filed 17 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Ryzome Investment Advisors use?","answer":"Ryzome Investment Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Orlando, FL), with $116M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 7 June 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Ryzome Investment Advisors have?","answer":"Ryzome Investment Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 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 Ryzome Investment Advisors invest in?","answer":"At the end of its last fiscal year, Ryzome Investment Advisors’ separately managed accounts held 50% exchange-traded equities, 29% registered funds (mutual funds, ETFs, BDCs), 10% investment grade corporate bonds, 10% cash and equivalents, 1% U.S. government and agency bonds and 1% state and local 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 Ryzome Investment Advisors?","answer":"Ryzome Investment Advisors’ direct owners are David Leonard, Kevin Gunns and Erin Ballor, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 7 June 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Ryzome Investment Advisors get paid?","answer":"Ryzome Investment Advisors 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 Ryzome Investment Advisors?","answer":"Ryzome Investment Advisors’ main office is at 4121 Okemos RD, Suite 24, Okemos, MI 48864. Its phone number is 517-347-2210. Its website is ryzomeadvisors.com.","source":"Form ADV Part 1A, Item 1.F, filed 7 June 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."}