{"url":"https://nivawealth.com/firms/sgl-financial-158023","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/158023","regulatoryAum":416008260,"crd":"158023","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5782371","suffix":null,"lastName":"COWEN","firstName":"DYLAN","middleName":"JACOB"},{"crd":"705542","suffix":null,"lastName":"COWEN","firstName":"ROGER","middleName":"JAY"},{"crd":"7434801","suffix":"III","lastName":"Demicco","firstName":"Dominic","middleName":"Daniel"},{"crd":"4897643","suffix":null,"lastName":"Eisenberg","firstName":"Robert","middleName":"Joel"},{"crd":"6811469","suffix":null,"lastName":"Gandy","firstName":"Kaleb","middleName":null},{"crd":"7257033","suffix":null,"lastName":"Jones","firstName":"Lavonte","middleName":null},{"crd":"6946005","suffix":null,"lastName":"Kohlieber","firstName":"Martin","middleName":"William"},{"crd":"5845816","suffix":null,"lastName":"LEWIT","firstName":"GABRIEL","middleName":"DAVID"},{"crd":"3262075","suffix":null,"lastName":"LEWIT","firstName":"STEVEN","middleName":"RICHARD"},{"crd":"5845335","suffix":null,"lastName":"LUBELSKI","firstName":"MELVIN","middleName":null},{"crd":"2094190","suffix":null,"lastName":"MOORE","firstName":"ROBERT","middleName":"DUAYNE"},{"crd":"6481533","suffix":null,"lastName":"SCHMITZ","firstName":"DAVID","middleName":null},{"crd":"7804663","suffix":null,"lastName":"SHIRAHATTI","firstName":"RAHUL","middleName":"PRAKASH"}],"total":13,"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":"2021-03-26","regulatoryAum":143169237,"clients":527,"employees":16,"offices":12},{"filedOn":"2022-03-31","regulatoryAum":163624352,"clients":679,"employees":12,"offices":11},{"filedOn":"2023-03-14","regulatoryAum":168784960,"clients":868,"employees":12,"offices":9},{"filedOn":"2024-03-30","regulatoryAum":214042234,"clients":509,"employees":19,"offices":7},{"filedOn":"2025-05-20","regulatoryAum":218580905,"clients":1136,"employees":31,"offices":4},{"filedOn":"2026-09-22","regulatoryAum":416008260,"clients":884,"employees":33,"offices":4}],"secFileNumber":"801-96223","legalName":"SGL Financial, LLC","displayName":"SGL Financial","slug":"sgl-financial-158023","website":"https://sglfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/158023/8bd44cf6c1c99070-r1.webp","tone":"light","width":1391,"height":200,"sourceUrl":"https://www.sglfinancial.com/","sourceLabel":"SGL Financial, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/sglfinancial","xUrl":"https://x.com/sglfinancial","founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1130 W Lake Cook Road, Suite 150","city":"Buffalo Grove","state":"IL","stateName":"Illinois","country":"United States","postalCode":"60089"},"tradeNames":["Cowen Tax Advisory Group","Moore Financial Concepts","Northland Financial","Wealth Financial Advisory Services"],"registration":{"secApproved":"29 May 2015","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":468930.60022650054,"staff":{"employees":33,"advisory":13,"brokerDealerReps":0,"insuranceAgents":11,"promoters":0},"aum":{"regulatory":416008260,"discretionary":414065720,"discretionaryAccounts":2712,"nonDiscretionary":1942540,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":795,"regulatoryAum":222084268},{"label":"High-net-worth individuals","clients":88,"regulatoryAum":191981452},{"label":"Pension and profit-sharing plans","clients":1,"fewerThan5":true,"regulatoryAum":1942540}],"feePrograms":[{"role":"main","program":"Investment supervisory services","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045382","versionId":1045382,"ratePeriod":"not_stated","fee_billing":"advance","submittedOn":"2026-05-18","documentName":"SGL FINANCIAL FIRM BROCHURE - ADV PART 2A","fee_rate_low":null,"fee_rate_high":1.5,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning and consulting","summary":"Hourly financial planning or consulting is billed at $250 to $500 per hour; a la carte planning areas are billed at $250 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045382","versionId":1045382,"submittedOn":"2026-05-18","documentName":"SGL FINANCIAL FIRM BROCHURE - ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:39:10.202493+00:00","documents":[{"name":"SGL FINANCIAL FIRM BROCHURE - ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045382","versionId":1045382,"submittedOn":"2026-05-18"}]},"custodians":[],"custodyNote":"SGL Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Gabriel Lewit","title":"Chief Executive Officer","crd":"5845816"},{"name":"Gery Sadzewicz","title":"Chief Compliance Officer","crd":"1090963"},{"name":"Steven Lewit","title":"Owner","crd":"3262075"}],"ownership":[{"label":"Gabriel Lewit","detail":"Chief executive officer in the 25% to 50% ownership band and a control person, since May 2011."},{"label":"Steven Lewit","detail":"Owner in the 25% to 50% ownership band and a control person, since May 2011."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":3,"privateResidences":0},"listedOfficeAddresses":4,"foreignOffices":[],"officesByState":[{"state":"Connecticut","offices":1,"addresses":[{"street":"231 Farmington Ave.","city":"Farmington"}]},{"state":"Illinois","offices":1,"addresses":[{"street":"1130 W Lake Cook Road, Suite 150","city":"Buffalo Grove","headquarters":true}]},{"state":"Oklahoma","offices":1,"addresses":[{"street":"2900 West Lindsay Street","city":"Norman"}]},{"state":"Wisconsin","offices":1,"addresses":[{"street":"3610 Hwy 47","city":"Rhinelander"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"847-499-3330","stateRegisteredReps":13,"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","Selection of other advisers (including private fund managers)","Publication of periodicals or newsletters","Educational seminars/workshops"],"financialPlanningClients":"500","assetMix":[{"label":"Exchange-traded equity securities","percent":25},{"label":"Cash and cash equivalents","percent":5},{"label":"Other","percent":70,"detail":"SGL Exclusively Uses the Services of Savant Wealth As Sub-Adviser and 3rd Party Money Manager for All Our Client Managed Accounts. They Utilize and Design 10 Models Ranging From All Equities to All Bonds. These Models Utilize Institutional Mutual Funds and ETF Holdings. No Individual Stocks Or Bonds Are Used."}],"privateFunds":0},"sources":{"adv1FilingDate":"22 September 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/158023/PDF/158023.pdf","brochureDate":"18 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1045382","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 SGL Financial have?","answer":"SGL Financial has 884 clients and manages $416 million for them, as of September 2026. They include 795 individual clients, 88 high-net-worth individuals and 1 pension or profit-sharing plan.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 22 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does SGL Financial offer?","answer":"SGL Financial provides financial planning, portfolio management for individuals and small businesses, 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does SGL Financial charge?","answer":"SGL Financial charges up to 1.50% for its Investment supervisory services. The brochure does not state whether the rate is annual. The fee is billed in advance.","source":"SGL FINANCIAL FIRM BROCHURE - ADV PART 2A, filed 18 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does SGL Financial have?","answer":"SGL Financial has 13 investment adviser representatives registered with state securities authorities, out of 33 employees, and 13 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 11 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 SGL Financial invest in?","answer":"At the end of its last fiscal year, SGL Financial’s separately managed accounts held 70% other, 25% exchange-traded equities and 5% cash and equivalents. The 70% other category is described as: SGL Exclusively Uses the Services of Savant Wealth As Sub-Adviser and 3rd Party Money Manager for All Our Client Managed Accounts. They Utilize and Design 10 Models Ranging From All Equities to All Bonds. These Models Utilize Institutional Mutual Funds and ETF Holdings. No Individual Stocks Or Bonds Are Used.","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 SGL Financial?","answer":"SGL Financial’s direct owners are Gabriel Lewit and Steven Lewit, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 22 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does SGL Financial get paid?","answer":"SGL Financial 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 SGL Financial?","answer":"SGL Financial’s main office is at 1130 W Lake Cook Road, Suite 150, Buffalo Grove, IL 60089. Its phone number is 847-499-3330. Its website is sglfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 22 September 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."}