{"url":"https://nivawealth.com/firms/st-clair-financial-151251","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/151251","regulatoryAum":141302317,"crd":"151251","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2844654","suffix":null,"lastName":"HILDERBRAND","firstName":"ANDREA","middleName":"RENEA"},{"crd":"2478175","suffix":"Jr.","lastName":"St. Clair","firstName":"Donald","middleName":"Lee"}],"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":"2025-05-17","regulatoryAum":118479003,"clients":100,"employees":1,"offices":1},{"filedOn":"2026-02-27","regulatoryAum":141302317,"clients":93,"employees":2,"offices":1}],"secFileNumber":"801-133020","legalName":"St. Clair Financial LLC","displayName":"St. Clair Financial","slug":"st-clair-financial-151251","website":"https://stclairfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/151251/6f5f4f297a2fda3b-r1.webp","tone":"light","width":620,"height":200,"sourceUrl":"https://stclairfinancial.com/","sourceLabel":"St. Clair Financial, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://x.com/DONSTCLAIRJR","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2140 Professional Drive, Suite 250","city":"Roseville","state":"CA","stateName":"California","country":"United States","postalCode":"95661"},"tradeNames":[],"registration":{"secApproved":"16 June 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1516745.247311828,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":141302317,"discretionary":140050106,"discretionaryAccounts":261,"nonDiscretionary":1252211,"nonDiscretionaryAccounts":21,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":55,"regulatoryAum":20976924},{"label":"High-net-worth individuals","clients":38,"regulatoryAum":120080384},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":245009}],"feePrograms":[{"role":"main","program":"Portfolio management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012870","versionId":1012870,"ratePeriod":"annual","fee_billing":"both","submittedOn":"2026-02-27","documentName":"2026-02-27 ST. CLAIR FINANCIAL FORM ADV PART 2A","fee_rate_low":0.1,"fee_rate_high":1.25,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning","summary":"Initial financial assessment flat fees generally range from $4,500 to $7,500; ongoing annual flat fees $4,500 to $15,000, waived for clients with at least $750,000 under management.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012870","versionId":1012870,"submittedOn":"2026-02-27","documentName":"2026-02-27 ST. CLAIR FINANCIAL FORM ADV PART 2A"},{"role":"other","program":"Hourly services","summary":"Hourly fees generally range from $275 to $625 per hour, charged monthly or quarterly in arrears.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012870","versionId":1012870,"submittedOn":"2026-02-27","documentName":"2026-02-27 ST. CLAIR FINANCIAL FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:59:24.353804+00:00","documents":[{"name":"2026-02-27 ST. CLAIR FINANCIAL FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012870","versionId":1012870,"submittedOn":"2026-02-27"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":134410556}],"custodyNote":"St. Clair Financial has custody of $129M for 87 clients.","otherCustodians":[],"leadership":[{"name":"Donald St. Clair","title":"President, CCO, Member","crd":"2478175"}],"ownership":[{"label":"Donald St. Clair","detail":"President, cco, member in the 75% or more ownership band and a control person, since December 2009."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"2140 Professional Drive, Suite 250","city":"Roseville","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"916-780-1848","stateRegisteredReps":2,"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)"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":10},{"label":"Securities issued by registered investment companies or business development companies","percent":84},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"27 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/151251/PDF/151251.pdf","brochureDate":"27 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1012870","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. Clair Financial have?","answer":"St. Clair Financial has 93 clients and manages $141 million for them, as of February 2026. They include 55 individual clients and 38 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does St. Clair Financial offer?","answer":"St. Clair Financial provides financial planning, portfolio management for individuals and small businesses, and selecting other managers.","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. Clair Financial charge?","answer":"St. Clair Financial charges 0.10%–1.25% a year for its Portfolio management. The fee is billed in advance or in arrears and is negotiable.","source":"2026-02-27 ST. CLAIR FINANCIAL FORM ADV PART 2A, filed 27 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does St. Clair Financial use?","answer":"St. Clair Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $134M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does St. Clair Financial have?","answer":"St. Clair Financial has 2 investment adviser representatives registered with state securities authorities, out of 2 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 St. Clair Financial invest in?","answer":"At the end of its last fiscal year, St. Clair Financial’s separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities and 6% 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":"Who owns St. Clair Financial?","answer":"St. Clair Financial’s direct owner is Donald St. Clair (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 27 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does St. Clair Financial get paid?","answer":"St. Clair 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 St. Clair Financial?","answer":"St. Clair Financial’s main office is at 2140 Professional Drive, Suite 250, Roseville, CA 95661. Its phone number is 916-780-1848. Its website is stclairfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 27 February 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."}