{"url":"https://nivawealth.com/firms/sbk-financial-132513","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/132513","regulatoryAum":1538440735,"crd":"132513","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7028921","suffix":null,"lastName":"Bailey","firstName":"Jonathan","middleName":null},{"crd":"4641609","suffix":null,"lastName":"BROUGHTON","firstName":"ANDREA","middleName":"LYNN"},{"crd":"1643898","suffix":null,"lastName":"CRAIGHILL","firstName":"CLAIRE","middleName":"ELAINE"},{"crd":"6651175","suffix":null,"lastName":"CROWDER","firstName":"MITCHELL","middleName":"JAMES"},{"crd":"4708979","suffix":null,"lastName":"KING","firstName":"JOHN","middleName":"KEVIN"},{"crd":"5217220","suffix":null,"lastName":"STUMPF","firstName":"STEPHANIE","middleName":"FELTS"},{"crd":"7245735","suffix":null,"lastName":"WILLIAMS","firstName":"JOHN","middleName":"CONSTANTINE"}],"total":7,"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":"2021-03-04","regulatoryAum":864347096,"clients":231,"employees":16,"offices":1},{"filedOn":"2022-03-07","regulatoryAum":1023810324,"clients":254,"employees":18,"offices":1},{"filedOn":"2023-07-06","regulatoryAum":994400152,"clients":267,"employees":18,"offices":1},{"filedOn":"2024-03-27","regulatoryAum":1134816590,"clients":262,"employees":18,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":1203976372,"clients":253,"employees":19,"offices":1},{"filedOn":"2026-03-25","regulatoryAum":1538440735,"clients":267,"employees":18,"offices":1}],"secFileNumber":"801-64185","legalName":"SBK Financial, Inc.","displayName":"SBK Financial","slug":"sbk-financial-132513","website":"https://wealth-crossing.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/wealthcrossing","founded":null,"organization":"Virginia corporation","fiscalYearEnd":"December","headquarters":{"street":"1001 Haxall Point, Suite 705","city":"Richmond","state":"VA","stateName":"Virginia","country":"United States","postalCode":"23219"},"tradeNames":["Wealthcrossing"],"registration":{"secApproved":"9 May 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FINANCIAL PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T04:35:29.920892+00:00","documents":[{"name":"SBK FINANCIAL PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1025907","versionId":1025907,"submittedOn":"2026-03-25"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":1536440736}],"custodyNote":"SBK Financial has custody of $804M in client assets for 318 clients.","leadership":[{"name":"Andrea Broughton","title":"Chief Executive Officer / Partner","crd":"4641609"},{"name":"John King","title":"President","crd":"4708979"},{"name":"Constantine Pelos","title":"Chief Compliance Officer","crd":"1074631"},{"name":"Jonathan Bailey","title":"Partner","crd":"7028921"},{"name":"Claire Craighill","title":"Director / Partner","crd":"1643898"},{"name":"Stephanie Stumpf","title":"Director / Partner","crd":"5217220"},{"name":"John Williams","title":"Senior Tax Advisor / Partner","crd":"7245735"}],"ownership":[{"label":"John King","detail":"President in the 25% to 50% ownership band and a control person, since April 2005."},{"label":"Andrea Broughton","detail":"Chief executive officer / partner in the 25% to 50% ownership band and a control person, since April 2005."},{"label":"Stephanie Stumpf","detail":"Director / partner in the 25% to 50% ownership band and a control person, since March 2014."},{"label":"Claire Craighill","detail":"Director / partner in the 5% to 10% ownership band and a control person, since March 2014."},{"label":"John Williams","detail":"Senior tax advisor / partner in the 5% to 10% ownership band, since January 2020."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":1,"addresses":[{"street":"1001 Haxall Point, Suite 705","city":"Richmond","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"804-237-1700","stateRegisteredReps":8,"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","Selection of other advisers (including private fund managers)","Other"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":4},{"label":"Securities issued by registered investment companies or business development companies","percent":79},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"25 March 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They include 197 high-net-worth individuals, 69 individual clients and 1 charitable organization.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does SBK Financial offer?","answer":"SBK 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":"How much does SBK Financial charge?","answer":"SBK Financial charges 0.25%–1.00% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in advance and has a $10,000 annual minimum.","source":"SBK FINANCIAL PART 2A, filed 25 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does SBK Financial use?","answer":"SBK Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $1.54B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 25 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does SBK Financial have?","answer":"SBK Financial has 8 investment adviser representatives registered with state securities authorities, out of 18 employees, and 13 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 SBK Financial invest in?","answer":"At the end of its last fiscal year, SBK Financial’s separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 5% cash and equivalents, 4% state and local bonds and 1% 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 SBK Financial?","answer":"SBK Financial’s direct owners are John King, Andrea Broughton, Stephanie Stumpf, Claire Craighill and John Williams, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 25 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does SBK Financial get paid?","answer":"SBK 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":"Is SBK Financial registered with the SEC?","answer":"Yes, SBK Financial has been registered with the SEC as an investment adviser since 9 May 2005. Its CRD number is 132513 and its SEC file number is 801-64185.","source":"Form ADV Part 1A, Item 1, filed 25 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact SBK Financial?","answer":"SBK Financial’s main office is at 1001 Haxall Point, Suite 705, Richmond, VA 23219. Its phone number is 804-237-1700. Its website is wealth-crossing.com.","source":"Form ADV Part 1A, Item 1.F, filed 25 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."}