{"url":"https://nivawealth.com/firms/somnio-financial-group-174217","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/174217","regulatoryAum":168290000,"crd":"174217","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5074653","suffix":null,"lastName":"ROY","firstName":"NICHOLAS","middleName":"RAYMOND"},{"crd":"4897441","suffix":"JR","lastName":"ROY","firstName":"ROBERT","middleName":"NORMAN"}],"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"},"history":[{"filedOn":"2024-04-09","regulatoryAum":116800000,"clients":93,"employees":3,"offices":1},{"filedOn":"2025-01-14","regulatoryAum":137800000,"clients":91,"employees":4,"offices":1},{"filedOn":"2026-02-17","regulatoryAum":168290000,"clients":103,"employees":4,"offices":1}],"secFileNumber":"801-129727","legalName":"Somnio Financial Group, LLC","displayName":"Somnio Financial Group","slug":"somnio-financial-group-174217","website":"https://somniofg.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/174217/0018e560825935cd-r1.webp","tone":"light","width":882,"height":200,"sourceUrl":"https://www.somniofg.com/","sourceLabel":"Somnio Financial Group, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://twitter.com/somniofg","founded":null,"organization":"Connecticut limited liability company","fiscalYearEnd":"December","headquarters":{"street":"140 Glastonbury BLVD, Suite 450","city":"Glastonbury","state":"CT","stateName":"Connecticut","country":"United States","postalCode":"06033"},"tradeNames":[],"registration":{"secApproved":"21 March 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1633883.495145631,"staff":{"employees":4,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":168290000,"discretionary":168290000,"discretionaryAccounts":461,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":5},"clientTypes":[{"label":"Individuals (other than HNW)","clients":32,"regulatoryAum":19480000},{"label":"High-net-worth individuals","clients":71,"regulatoryAum":148810000}],"feePrograms":[{"role":"main","program":"Investment Management Fee","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.5,"from":1000000},{"to":null,"pct":0.25,"from":3000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009331","versionId":1009331,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-02-17","documentName":"FORM ADV 2A/2B - SEC","fee_rate_low":0.25,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"Financial planning and consulting is an annual flat fee of $1,000 to $20,000 for clients whose management fee is under $8,000 a year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009331","versionId":1009331,"submittedOn":"2026-02-17","documentName":"FORM ADV 2A/2B - SEC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:05:31.546897+00:00","documents":[{"name":"FORM ADV 2A/2B - SEC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009331","versionId":1009331,"submittedOn":"2026-02-17"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":168290000}],"custodyNote":"Somnio Financial Group does not have custody of client assets.","leadership":[{"name":"Robert Roy","title":"Chief Compliance Officer","crd":"4897441"},{"name":"Robert Roy","title":"Member","crd":"4897441"},{"name":"Nicholas Roy","title":"Member","crd":"5074653"}],"ownership":[{"label":"Robert Roy","detail":"Member in the 50% to 75% ownership band and a control person, since January 2009. Also chief compliance officer in the 50% to 75% ownership band and a control person, since April 2015."},{"label":"Nicholas Roy","detail":"Member in the 50% to 75% ownership band and a control person, since January 2009."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Connecticut","offices":1,"addresses":[{"street":"140 Glastonbury BLVD, Suite 450","city":"Glastonbury","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"860-430-5500","stateRegisteredReps":2,"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"],"financialPlanningClients":"101-250","assetMix":[{"label":"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":93},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"17 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/174217/PDF/174217.pdf","brochureDate":"17 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1009331","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 Somnio Financial Group have?","answer":"Somnio Financial Group has 103 clients and manages $168 million for them, as of February 2026. They include 71 high-net-worth individuals and 32 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Somnio Financial Group offer?","answer":"Somnio Financial Group 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 Somnio Financial Group charge?","answer":"Somnio Financial Group charges 0.25%–1.00% a year for its Investment Management Fee. Each asset band is charged at its own rate. The fee is billed in advance and is negotiable.","source":"FORM ADV 2A/2B - SEC, filed 17 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Somnio Financial Group use?","answer":"Somnio Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $168M. 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 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Somnio Financial Group have?","answer":"Somnio Financial Group has 2 investment adviser representatives registered with state securities authorities, out of 4 employees, and 2 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 Somnio Financial Group invest in?","answer":"At the end of its last fiscal year, Somnio Financial Group’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 1% exchange-traded equities 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 Somnio Financial Group?","answer":"Somnio Financial Group’s direct owners are Robert Roy (50% to 75%) and Nicholas Roy (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 17 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Somnio Financial Group get paid?","answer":"Somnio Financial Group 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 Somnio Financial Group registered with the SEC?","answer":"Yes, Somnio Financial Group has been registered with the SEC as an investment adviser since 21 March 2024. Its CRD number is 174217 and its SEC file number is 801-129727.","source":"Form ADV Part 1A, Item 1, filed 17 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Somnio Financial Group?","answer":"Somnio Financial Group’s main office is at 140 Glastonbury BLVD, Suite 450, Glastonbury, CT 06033. Its phone number is 860-430-5500. Its website is somniofg.com.","source":"Form ADV Part 1A, Item 1.F, filed 17 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/somnio-financial-group-174217/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-06","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2034894/000203489426000004/0002034894-26-000004-index.html","totalValue":168791643,"positionCount":14,"top10Share":0.9794017231054502,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":44199594,"shares":59020,"shareType":"SH","priorValue":38659909,"priorShares":59185},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"ALLWRLD EX US","cusip":"922042775","value":32957077,"shares":393517,"shareType":"SH","priorValue":29696970,"priorShares":395432},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":15805920,"shares":196176,"shareType":"SH","priorValue":13922353,"priorShares":48480},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":14047554,"shares":141923,"shareType":"SH","priorValue":13379108,"priorShares":134775},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":13886160,"shares":144002,"shareType":"SH","priorValue":12525692,"priorShares":141214},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":13476921,"shares":90870,"shareType":"SH","priorValue":11499618,"priorShares":92508},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST BLOO HIGH ETF","cusip":"78468R622","value":10330663,"shares":107198,"shareType":"SH","priorValue":9780163,"priorShares":102175},{"issuer":"VANGUARD CHARLOTTE FDS","titleOfClass":"TOTAL INT BD ETF","cusip":"92203J407","value":9374153,"shares":193561,"shareType":"SH","priorValue":8783238,"priorShares":182794},{"issuer":"ISHARES TR","titleOfClass":"NATIONAL MUN ETF","cusip":"464288414","value":6238624,"shares":57969,"shareType":"SH","priorValue":6069339,"priorShares":57177},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"SHORT TRM BOND","cusip":"921937827","value":4998160,"shares":64153,"shareType":"SH","priorValue":4810924,"priorShares":61356}],"positionsListed":14,"positions":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":44199594,"shares":59020,"shareType":"SH","priorValue":38659909,"priorShares":59185},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"ALLWRLD EX US","cusip":"922042775","value":32957077,"shares":393517,"shareType":"SH","priorValue":29696970,"priorShares":395432},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"MID CAP ETF","cusip":"922908629","value":15805920,"shares":196176,"shareType":"SH","priorValue":13922353,"priorShares":48480},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":14047554,"shares":141923,"shareType":"SH","priorValue":13379108,"priorShares":134775},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"REAL ESTATE ETF","cusip":"922908553","value":13886160,"shares":144002,"shareType":"SH","priorValue":12525692,"priorShares":141214},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":13476921,"shares":90870,"shareType":"SH","priorValue":11499618,"priorShares":92508},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST BLOO HIGH ETF","cusip":"78468R622","value":10330663,"shares":107198,"shareType":"SH","priorValue":9780163,"priorShares":102175},{"issuer":"VANGUARD CHARLOTTE FDS","titleOfClass":"TOTAL INT BD ETF","cusip":"92203J407","value":9374153,"shares":193561,"shareType":"SH","priorValue":8783238,"priorShares":182794},{"issuer":"ISHARES TR","titleOfClass":"NATIONAL MUN ETF","cusip":"464288414","value":6238624,"shares":57969,"shareType":"SH","priorValue":6069339,"priorShares":57177},{"issuer":"VANGUARD BD INDEX FDS","titleOfClass":"SHORT TRM BOND","cusip":"921937827","value":4998160,"shares":64153,"shareType":"SH","priorValue":4810924,"priorShares":61356},{"issuer":"ISHARES TR","titleOfClass":"CORE 80 20 ETF","cusip":"464289859","value":2600304,"shares":26642,"shareType":"SH","priorValue":2311830,"priorShares":26125},{"issuer":"ISHARES TR","titleOfClass":"CORE 60 BALA ETF","cusip":"464289867","value":367447,"shares":5287,"shareType":"SH","priorValue":323359,"priorShares":5025},{"issuer":"HOME DEPOT INC","titleOfClass":"COM","cusip":"437076102","value":257809,"shares":731,"shareType":"SH","priorValue":240419,"priorShares":731},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":251257,"shares":679,"shareType":"SH","priorValue":217188,"priorShares":677}]},"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."}