Servant Financial provides portfolio management for individuals and small businesses, portfolio management for pooled vehicles, portfolio management for institutions, selecting other managers, publishing newsletters, and educational seminars. The firm advises 2 private funds.
Servant Financial reports 42 clients. They include 22 individual clients, 18 high-net-worth individuals and 2 pooled investment vehicles. Of its assets, 28.4% ($40.7M across 70 accounts) are managed with discretion; $103M across 17 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 52% | 3% |
| High-net-worth individuals | 43% | 48% |
| Pooled investment vehicles | 5% | 45% |
| Corporations and other businesses | Fewer than 5 | 4% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 22 | $4.84M | 3.4% | $220K |
| High-net-worth individuals | 18 | $68.5M | 47.7% | $3.81M |
| Pooled investment vehicles | 2 | $64.8M | 45.1% | $32.4M |
| Corporations and other businesses | Fewer than 5 | $5.4M | 3.8% | — |
| Total | 42 | $144M | 100% | — |
- Clients
- 22
- Regulatory AUM
- $4.84M
- AUM share
- 3.4%
- Avg. per client
- $220K
- Clients
- 18
- Regulatory AUM
- $68.5M
- AUM share
- 47.7%
- Avg. per client
- $3.81M
- Clients
- 2
- Regulatory AUM
- $64.8M
- AUM share
- 45.1%
- Avg. per client
- $32.4M
- Clients
- Fewer than 5
- Regulatory AUM
- $5.4M
- AUM share
- 3.8%
- Avg. per client
- —
Total
- Clients
- 42
- Regulatory AUM
- $144M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 2
Servant Financial charges 0.50%–1.00% for its Traditional investment portfolios. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $1,000 annual minimum. The brochure also prices one other service, listed under fee details.
| Asset band | Rate (period not stated) |
|---|---|
| $0–$500K | 1.00% |
| $500K–$1M | 0.80% |
| $1M–$2M | 0.60% |
| $2M and above | 0.50% |
Fee details and sources
Other fees
- Alternative investment consulting
- Non-discretionary consulting on alternative investments, with a fee on the client's commitment: 0.75% of the first $500,000, 0.65% of the next $500,000 and 0.55% above $1,000,000.
John Heneghan owns 75% or more of Servant Financial. The leadership team of Servant Financial includes President John Heneghan. It has 4 employees, 1 of them in advisory roles.
Leadership
- John HeneghanPresident/Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 1 in advisory functions
- 1 state-registered rep
- Owns 75% or more of Servant Financial, LTD.
John Heneghan
Control person · since March 2004
Servant Financial’s regulatory assets grew from $116M (March 2025) to $144M (July 2026); clients rose from 40 to 42 and employees from 1 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| July 2026 | $144M | 42 | 4 | 2 |
| March 2025 | $116M | 40 | 1 | 1 |
Besides its headquarters, Servant Financial has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Servant Financial, LTD.
- Headquarters
- Not reported
- Website
- servantfinancial.com
- Phone
- 630-264-0127
- SEC file
- 801-130929
- Structure
- Illinois corporation
- Fiscal year end
- December
Servant Financial uses Fidelity ($78.7M) as custodian for its separately managed accounts. Servant Financial does not have custody of client assets.
- FidelityNational Financial Services LLC · Boston, MA · $78.7M100%
At year end, Servant Financial’s separately managed accounts were mostly in funds (56%) and stocks (44%).
What the accounts hold
- Stocks44%
- Funds56%
- Registered funds55%
- Pooled vehicles1%
How many clients does Servant Financial have?
Servant Financial has 42 clients and manages $144 million for them, as of July 2026. They include 22 individual clients, 18 high-net-worth individuals and 2 pooled investment vehicles.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 17 July 2026
What services does Servant Financial offer?
Servant Financial provides portfolio management for individuals and small businesses, portfolio management for pooled vehicles, portfolio management for institutions, selecting other managers, publishing newsletters, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Servant Financial charge?
Servant Financial charges 0.50%–1.00% for its Traditional investment portfolios. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $1,000 annual minimum.
Which custodians does Servant Financial use?
Servant Financial’s separately managed account assets are held at National Financial Services LLC (Boston, MA), with $78.7M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 July 2026
How many financial advisors does Servant Financial have?
Servant Financial has 1 investment adviser representative registered with state securities authorities, out of 4 employees, and 1 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
What does Servant Financial invest in?
At the end of its last fiscal year, Servant Financial’s separately managed accounts held 55% registered funds (mutual funds, ETFs, BDCs), 44% exchange-traded equities and 1% pooled vehicles (private funds and similar). It advises 2 private funds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Servant Financial?
Servant Financial’s direct owner is John Heneghan (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 17 July 2026
How does Servant Financial get paid?
Servant Financial is paid through a percentage of assets under management, hourly charges, fixed fees, performance-based fees and other compensation. Its Form ADV lists no commissions among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Servant Financial registered with the SEC?
Yes, Servant Financial has been registered with the SEC as an investment adviser since 15 August 2024. Its CRD number is 135183 and its SEC file number is 801-130929.
Source: Form ADV Part 1A, Item 1, filed 17 July 2026; IAPD firm record
How do I contact Servant Financial?
Its phone number is 630-264-0127. Its website is servantfinancial.com.