{"url":"https://nivawealth.com/firms/st-bernard-financial-services-36956","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/36956","regulatoryAum":136237104,"crd":"36956","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"711829","suffix":null,"lastName":"BANKS","firstName":"SIDNEY","middleName":"EUGENE"},{"crd":"4334575","suffix":null,"lastName":"Barkasy","firstName":"Mark","middleName":null},{"crd":"4238671","suffix":null,"lastName":"BOYD","firstName":"PHILLIP","middleName":"DENNIS"},{"crd":"4905935","suffix":null,"lastName":"BROWN","firstName":"ADAM","middleName":"KENNON"},{"crd":"1680266","suffix":null,"lastName":"CARROLL","firstName":"KATHRYN","middleName":"DELORES"},{"crd":"1676074","suffix":null,"lastName":"CELI","firstName":"MARK","middleName":"EDWARD"},{"crd":"717018","suffix":null,"lastName":"Godbee","firstName":"Emma","middleName":"Gean"},{"crd":"2014825","suffix":null,"lastName":"GOREN","firstName":"HAROLD","middleName":"IRWIN"},{"crd":"705250","suffix":null,"lastName":"Hubbell","firstName":"Gregory","middleName":"Harold"},{"crd":"2000976","suffix":"JR","lastName":"KEENAN","firstName":"ROBERT","middleName":null},{"crd":"1990743","suffix":null,"lastName":"KESSLER","firstName":"DAN","middleName":"R"},{"crd":"3009569","suffix":null,"lastName":"MANNAIONI","firstName":"DAVID","middleName":"JAMES"},{"crd":"4431781","suffix":null,"lastName":"MITZEL","firstName":"STEPHANIE","middleName":"MATTHEWS"},{"crd":"501565","suffix":null,"lastName":"Neely","firstName":"John","middleName":"Huey"},{"crd":"1037540","suffix":null,"lastName":"NICKOSON","firstName":"ROBERT","middleName":"MARTIN"},{"crd":"4222628","suffix":null,"lastName":"OCHOA","firstName":"AARON","middleName":"JEREMIAH"},{"crd":"5427034","suffix":"JR.","lastName":"ORGERON","firstName":"JAMES","middleName":"DAVID"},{"crd":"1306245","suffix":null,"lastName":"REIDEMEISTER","firstName":"CARL","middleName":"CHRISTIAN"},{"crd":"6370124","suffix":null,"lastName":"SAKULENZKI","firstName":"JEREMY","middleName":"PATRICK"},{"crd":"1802844","suffix":null,"lastName":"SANDS","firstName":"ERIC","middleName":"ALAN"},{"crd":"2277211","suffix":null,"lastName":"SIDDIQUI","firstName":"WAJEEHUDDIN","middleName":"SALIM"},{"crd":"2340862","suffix":null,"lastName":"TOMFOHRDE","firstName":"DAVID","middleName":"WAYNE"},{"crd":"4625584","suffix":null,"lastName":"TURNER","firstName":"JOSHUA","middleName":"ROE"},{"crd":"5074829","suffix":null,"lastName":"WAMSLEY","firstName":"ROSS","middleName":"L"},{"crd":"4141511","suffix":null,"lastName":"WARD","firstName":"PHIL","middleName":"GALEN"},{"crd":"871458","suffix":null,"lastName":"WARSINSKI","firstName":"WANDA","middleName":"ELAINE"},{"crd":"2337893","suffix":null,"lastName":"WHITE","firstName":"KATHLEEN","middleName":"M"},{"crd":"2727398","suffix":null,"lastName":"WILLIAMS","firstName":"PATRICK","middleName":"THAYNE"},{"crd":"1733003","suffix":null,"lastName":"Winters","firstName":"Frank","middleName":"Thomas"},{"crd":"734487","suffix":null,"lastName":"YARBROUGH","firstName":"MARK","middleName":"BOLTON"},{"crd":"2582064","suffix":null,"lastName":"YOUNG","firstName":"HOWARD","middleName":"CLINTON"}],"total":31,"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":"2021-04-23","regulatoryAum":101024857,"clients":478,"employees":114,"offices":23},{"filedOn":"2022-02-11","regulatoryAum":133005603,"clients":681,"employees":135,"offices":23},{"filedOn":"2023-06-27","regulatoryAum":104471527,"clients":719,"employees":117,"offices":24},{"filedOn":"2024-05-01","regulatoryAum":128723270,"clients":841,"employees":111,"offices":31},{"filedOn":"2025-01-29","regulatoryAum":130472570,"clients":841,"employees":109,"offices":31},{"filedOn":"2026-05-05","regulatoryAum":136237104,"clients":798,"employees":117,"offices":31}],"secFileNumber":"801-113763","legalName":"St. Bernard Financial Services, Inc.","displayName":"St. Bernard Financial Services","slug":"st-bernard-financial-services-36956","website":"https://stbernardfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/36956/b09c2ac7480c6cf3-r1.webp","tone":"dark","width":745,"height":200,"sourceUrl":"https://stbernardfinancial.com/","sourceLabel":"St. Bernard Financial Services, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"broker_dealer_network","typeLabel":"Broker-dealer affiliate","feeDisclosure":"summary"},"founded":null,"organization":"Arkansas corporation","fiscalYearEnd":"December","headquarters":{"street":"1609 West Main St","city":"Russellville","state":"AR","stateName":"Arkansas","country":"United States","postalCode":"72801"},"tradeNames":["Banks and Brown Financial Advisors","Kessler Financial","Mfcenter.com","South Texas Wealth","St Bernard Financial Services, 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Muni Principal","crd":"1456415"},{"name":"Robert Jr Keenan","title":"CEO, CCO, Trustee of Robert Keenan Trust","crd":"2000976"}],"ownership":[{"label":"Robert Keenan Revocable Trust","detail":"Owner in the 75% or more ownership band and a control person, since February 2012."},{"label":"Robert Jr Keenan","detail":"Indirect owner: a trustee of Robert Keenan Revocable Trust in the 75% or more band and a control person, since February 2012.","parent":"Robert Keenan Revocable Trust"}],"filedOffices":{"otherThanPrincipal":30,"privateResidences":10},"listedOfficeAddresses":17,"foreignOffices":[],"officesByState":[{"state":"Arizona","offices":1,"addresses":[{"street":"10973 No Canyon Court","city":"Tucson"}]},{"state":"Arkansas","offices":5,"addresses":[{"street":"1609 West Main St","city":"Russellville","headquarters":true},{"street":"206 S 2nd St","city":"Rogers"},{"street":"425 Walnut","city":"Rogers"},{"street":"114 So. 1st St","city":"Rogers"},{"street":"300 West Jefferson 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Redbud","city":"Broken Arrow"},{"street":"2522 E 71st","city":"Tulsa"}]},{"state":"Texas","offices":1,"addresses":[{"street":"9901 Ih 10 West","city":"San Antonio"}]},{"state":"Utah","offices":1,"addresses":[{"street":"5237 Saddle Creek Circle","city":"West Jordan"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"479-967-1200","stateRegisteredReps":30,"otherAdviserReps":6,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Educational seminars/workshops"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":67},{"label":"U.S. government/agency bonds","percent":10},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":16},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"5 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/36956/PDF/36956.pdf","brochureDate":"5 May 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1044066","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 St. Bernard Financial Services have?","answer":"St. Bernard Financial Services has 798 clients and manages $136 million for them, as of May 2026. They include 786 individual clients and 12 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 5 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does St. Bernard Financial Services offer?","answer":"St. Bernard Financial Services provides portfolio management for individuals and small businesses, portfolio management for institutions, 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 St. Bernard Financial Services charge?","answer":"St. Bernard Financial Services charges 1.00%–2.00% a year for its Continuing Advisory Agreements.","source":"FORM ADV 01/15/2026, filed 5 May 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"How many financial advisors does St. Bernard Financial Services have?","answer":"St. Bernard Financial Services has 30 investment adviser representatives registered with state securities authorities, out of 117 employees, and 30 perform investment advisory functions. 113 employees are registered representatives of a broker-dealer and 76 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 St. Bernard Financial Services invest in?","answer":"At the end of its last fiscal year, St. Bernard Financial Services’ separately managed accounts held 67% exchange-traded equities, 16% registered funds (mutual funds, ETFs, BDCs), 10% U.S. government and agency bonds, 6% cash and equivalents and 1% investment grade corporate 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 St. Bernard Financial Services?","answer":"St. Bernard Financial Services is owned through a trust by Robert Jr Keenan. Its direct owner is Robert Keenan Revocable Trust (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 5 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does St. Bernard Financial Services get paid?","answer":"St. Bernard Financial Services is paid through a percentage of assets under management and hourly charges. 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 St. Bernard Financial Services registered with the SEC?","answer":"Yes, St. Bernard Financial Services has been registered with the SEC as an investment adviser since 31 July 2018. Its CRD number is 36956 and its SEC file number is 801-113763.","source":"Form ADV Part 1A, Item 1, filed 5 May 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact St. Bernard Financial Services?","answer":"St. Bernard Financial Services’ main office is at 1609 West Main St, Russellville, AR 72801. Its phone number is 479-967-1200. Its website is stbernardfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 5 May 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."}