{"url":"https://nivawealth.com/firms/schaefer-financial-management-110110","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/110110","regulatoryAum":1114890977,"crd":"110110","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5495455","suffix":null,"lastName":"AARDAL","firstName":"REBECCA","middleName":"A"},{"crd":"7326675","suffix":null,"lastName":"Forrest","firstName":"Gavin","middleName":null},{"crd":"1477047","suffix":"III","lastName":"HANSEN","firstName":"LOWELL","middleName":"CLINTON"},{"crd":"2575553","suffix":null,"lastName":"HOLLANDER","firstName":"KIRSTEN","middleName":"SHONSTROM"},{"crd":"6367787","suffix":"III","lastName":"OWSLEY","firstName":"JAMES","middleName":"LAWRENCE"},{"crd":"7530654","suffix":null,"lastName":"Schaefer","firstName":"Henry","middleName":"J"},{"crd":"1233525","suffix":null,"lastName":"SCHAEFER","firstName":"JEFFREY","middleName":"ALAN"},{"crd":"2714705","suffix":null,"lastName":"SEARLE","firstName":"ANDREA","middleName":"NOELLE"}],"total":8,"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":"2021-03-23","regulatoryAum":672523282,"clients":308,"employees":9,"offices":1},{"filedOn":"2022-06-08","regulatoryAum":760020287,"clients":308,"employees":9,"offices":1},{"filedOn":"2023-03-29","regulatoryAum":742733453,"clients":411,"employees":8,"offices":1},{"filedOn":"2024-03-29","regulatoryAum":888301693,"clients":414,"employees":9,"offices":1},{"filedOn":"2025-03-30","regulatoryAum":979145182,"clients":451,"employees":9,"offices":1},{"filedOn":"2026-03-26","regulatoryAum":1114890977,"clients":446,"employees":9,"offices":1}],"secFileNumber":"801-34341","legalName":"Schaefer Financial Management, Inc.","displayName":"Schaefer Financial Management","slug":"schaefer-financial-management-110110","website":"https://schaeferfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/110110/f72032c5192fbeed-r1.webp","tone":"light","width":216,"height":200,"sourceUrl":"https://schaeferfinancial.com/","sourceLabel":"Schaefer Financial Management, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/70873060/admin","founded":"1989","organization":"Colorado corporation","fiscalYearEnd":"December","headquarters":{"street":"7700 East Arapahoe Road, Suite 265","city":"Centennial","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80112-6108"},"tradeNames":[],"registration":{"secApproved":"12 April 1989","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2499755.553811659,"staff":{"employees":9,"advisory":7,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":1114890977,"discretionary":0,"discretionaryAccounts":0,"nonDiscretionary":1114890977,"nonDiscretionaryAccounts":1776,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":213,"regulatoryAum":95540384},{"label":"High-net-worth individuals","clients":233,"regulatoryAum":1019350593}],"feePrograms":[{"role":"main","program":"Investment Management, Quarterly Reviews","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027768","versionId":1027768,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-26","documentName":"CLIENT BROCHURE - MARCH 25, 2026","fee_rate_low":0.2,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Annual Review Fee","summary":"For clients without quarterly reviews, an annual review fee of 0.5% of investment assets with a minimum of $1,250 per year, not negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027768","versionId":1027768,"submittedOn":"2026-03-26","documentName":"CLIENT BROCHURE - MARCH 25, 2026"},{"role":"other","program":"Financial Planning","summary":"A minimum initial fee of $2,500 for a planning engagement; additional planning work, reviews and consultations are billed at $250 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027768","versionId":1027768,"submittedOn":"2026-03-26","documentName":"CLIENT BROCHURE - MARCH 25, 2026"},{"role":"other","program":"Insurance Implementation","summary":"Shopping for and purchasing insurance is billed hourly at $250 per hour with a $500 minimum, or bundled into a larger planning fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027768","versionId":1027768,"submittedOn":"2026-03-26","documentName":"CLIENT BROCHURE - MARCH 25, 2026"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:08:04.740432+00:00","documents":[{"name":"CLIENT BROCHURE - MARCH 25, 2026","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027768","versionId":1027768,"submittedOn":"2026-03-26"}]},"custodians":[],"custodyNote":"Schaefer Financial Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Jeffrey Schaefer","title":"President, Chairman, Sole Shareholder","crd":"1233525"},{"name":"Rebecca Aardal","title":"Chief Compliance Officer","crd":"5495455"}],"ownership":[{"label":"Jeffrey Schaefer","detail":"President, chairman, sole shareholder in the 75% or more ownership band and a control person, since July 2001."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Colorado","offices":1,"addresses":[{"street":"7700 East Arapahoe Road, Suite 265","city":"Centennial","headquarters":true}]}],"brochureServices":["divorce planning","education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"303-770-6700","stateRegisteredReps":7,"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":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":77},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":19},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":1},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"26 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/110110/PDF/110110.pdf","brochureDate":"26 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1027768","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 Schaefer Financial Management have?","answer":"Schaefer Financial Management has 446 clients and manages $1.11 billion for them, as of March 2026. They include 233 high-net-worth individuals and 213 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Schaefer Financial Management offer?","answer":"Schaefer Financial Management provides financial planning, portfolio management for individuals and small businesses, divorce planning, education planning, estate planning, insurance, philanthropic planning, 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 Schaefer Financial Management charge?","answer":"Schaefer Financial Management charges 0.20%–1.00% a year for its Investment Management, Quarterly Reviews. The fee is billed in arrears and requires an account of at least $500,000.","source":"CLIENT BROCHURE - MARCH 25, 2026, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does Schaefer Financial Management have?","answer":"Schaefer Financial Management has 7 investment adviser representatives registered with state securities authorities, out of 9 employees, and 7 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 Schaefer Financial Management invest in?","answer":"At the end of its last fiscal year, Schaefer Financial Management’s separately managed accounts held 77% exchange-traded equities, 19% registered funds (mutual funds, ETFs, BDCs), 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% pooled vehicles (private funds and similar) and 1% cash and equivalents.","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":"Does Schaefer Financial Management have a minimum investment?","answer":"Yes, Schaefer Financial Management’s minimum account size for its Investment Management, Quarterly Reviews is $500K.","source":"CLIENT BROCHURE - MARCH 25, 2026, filed 26 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Schaefer Financial Management?","answer":"Schaefer Financial Management’s direct owner is Jeffrey Schaefer (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Schaefer Financial Management get paid?","answer":"Schaefer Financial Management 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 Schaefer Financial Management?","answer":"Schaefer Financial Management’s main office is at 7700 East Arapahoe Road, Suite 265, Centennial, CO 80112-6108. Its phone number is 303-770-6700. Its website is schaeferfinancial.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."}