{"url":"https://nivawealth.com/firms/strategent-financial-148173","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/148173","regulatoryAum":374747138,"crd":"148173","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"5356353","suffix":null,"lastName":"BYERLY","firstName":"DEBBIE","middleName":"STRAUSS"},{"crd":"6869794","suffix":null,"lastName":"LAM","firstName":"ANDREW","middleName":"SCOTT"},{"crd":"3265572","suffix":null,"lastName":"LAM","firstName":"DALE","middleName":"SCOTT"},{"crd":"5204820","suffix":null,"lastName":"SHEARER","firstName":"ABRAM","middleName":"JOSHUA"}],"total":4,"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":"2021-01-30","regulatoryAum":189340534,"clients":105,"employees":5,"offices":1},{"filedOn":"2022-05-10","regulatoryAum":244180228,"clients":115,"employees":5,"offices":1},{"filedOn":"2023-03-10","regulatoryAum":228366755,"clients":120,"employees":6,"offices":1},{"filedOn":"2024-03-23","regulatoryAum":262816045,"clients":125,"employees":5,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":297357346,"clients":133,"employees":6,"offices":1},{"filedOn":"2026-03-20","regulatoryAum":374747138,"clients":140,"employees":6,"offices":1}],"secFileNumber":"801-112356","legalName":"Strategent Financial, LLC","displayName":"Strategent Financial","slug":"strategent-financial-148173","website":"https://strategentfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/148173/c28d190e942382b1-r1.webp","tone":"light","width":732,"height":200,"sourceUrl":"https://www.strategentfinancial.com/","sourceLabel":"Strategent Financial, LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"http://www.linkedin.com/company/strategent-financial-llc","founded":"2008","organization":"Virginia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"185 Neff Avenue, Suite 102","city":"Harrisonburg","state":"VA","stateName":"Virginia","country":"United States","postalCode":"22801"},"tradeNames":["Strategent Financial"],"registration":{"secApproved":"22 January 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2765196.9776119404,"staff":{"employees":6,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":374747138,"discretionary":374747138,"discretionaryAccounts":136,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":6},"clientTypes":[{"label":"Individuals (other than HNW)","clients":28,"regulatoryAum":18971062},{"label":"High-net-worth individuals","clients":106,"regulatoryAum":351565333},{"label":"Pension and profit-sharing plans","clients":6,"regulatoryAum":0},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":1619606},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":2591137}],"feePrograms":[{"role":"main","program":"Wealth Management Fees","feeBasis":"marginal","fee_tiers":[{"to":2000000,"pct":1,"from":0},{"to":3000000,"pct":0.8,"from":2000000},{"to":4000000,"pct":0.7,"from":3000000},{"to":5000000,"pct":0.6,"from":4000000},{"to":6000000,"pct":0.4,"from":5000000},{"to":null,"pct":0.3,"from":6000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022721","versionId":1022721,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-20","documentName":"STRATEGENT FORM ADV PART 2A","fee_rate_low":0.3,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":10000},{"role":"other","program":"Financial planning","summary":"Financial planning services are billed at an hourly rate of $250, due on completion of the service.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022721","versionId":1022721,"submittedOn":"2026-03-20","documentName":"STRATEGENT FORM ADV PART 2A"},{"role":"other","program":"Retirement plan advisory","summary":"Retirement plan advisory fees are tiered at 0.75% on the first $1 million, 0.60% to $2 million and 0.45% above, with a $5,000 minimum annual fee, paid quarterly in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022721","versionId":1022721,"submittedOn":"2026-03-20","documentName":"STRATEGENT FORM ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T09:21:37.523972+00:00","documents":[{"name":"STRATEGENT FORM ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022721","versionId":1022721,"submittedOn":"2026-03-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":369420726}],"custodyNote":"Strategent Financial has custody of $185M in client assets for 106 clients.","leadership":[{"name":"Dale Lam","title":"Managing Member, Chief Compliance Officer","crd":"3265572"},{"name":"Andrew Lam","title":"Member","crd":"6869794"},{"name":"Abram Shearer","title":"Member","crd":"5204820"}],"ownership":[{"label":"Dale Lam","detail":"Managing member, chief compliance officer in the 50% to 75% ownership band and a control person, since July 2008."},{"label":"Abram Shearer","detail":"Member in the 10% to 25% ownership band and a control person, since July 2018."},{"label":"Andrew Lam","detail":"Member in the 10% to 25% ownership band and a control person, since January 2025."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":1,"addresses":[{"street":"185 Neff Avenue, Suite 102","city":"Harrisonburg","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"540-437-1222","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)","Other"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":96},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"20 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/148173/PDF/148173.pdf","brochureDate":"20 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1022721","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 Strategent Financial have?","answer":"Strategent Financial has 140 clients and manages $375 million for them, as of March 2026. They include 106 high-net-worth individuals, 28 individual clients, and 6 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Strategent Financial offer?","answer":"Strategent Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, education planning, estate planning, insurance, philanthropic planning, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Strategent Financial charge?","answer":"Strategent Financial charges 0.30%–1.00% a year for its Wealth Management Fees. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $10,000 annual minimum.","source":"STRATEGENT FORM ADV PART 2A, filed 20 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Strategent Financial use?","answer":"Strategent Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $369M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Strategent Financial have?","answer":"Strategent Financial has 4 investment adviser representatives registered with state securities authorities, out of 6 employees, and 4 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 Strategent Financial invest in?","answer":"At the end of its last fiscal year, Strategent Financial’s separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 2% exchange-traded equities and 2% 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 Strategent Financial?","answer":"Strategent Financial’s direct owners are Dale Lam (50% to 75%), Abram Shearer (10% to 25%) and Andrew Lam (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Strategent Financial get paid?","answer":"Strategent Financial is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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 Strategent Financial registered with the SEC?","answer":"Yes, Strategent Financial has been registered with the SEC as an investment adviser since 22 January 2018. Its CRD number is 148173 and its SEC file number is 801-112356.","source":"Form ADV Part 1A, Item 1, filed 20 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Strategent Financial?","answer":"Strategent Financial’s main office is at 185 Neff Avenue, Suite 102, Harrisonburg, VA 22801. Its phone number is 540-437-1222. Its website is strategentfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 20 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/strategent-financial-148173/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-03","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2052737/000205273726000003/0002052737-26-000003-index.html","totalValue":173603950,"positionCount":41,"top10Share":0.7693820445905752,"top10":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":35426189,"shares":51581,"shareType":"SH","priorValue":29962513,"priorShares":50142},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"US QUALTY FCTR","cusip":"46641Q761","value":27548583,"shares":381137,"shareType":"SH","priorValue":23267507,"priorShares":379444},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"NASDAQ 100 ETF","cusip":"46138G649","value":13696062,"shares":45206,"shareType":"SH","priorValue":10995391,"priorShares":46273},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":11914952,"shares":16180,"shareType":"SH","priorValue":9379753,"priorShares":16251},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":10113470,"shares":127970,"shareType":"SH","priorValue":8255416,"priorShares":104143},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":9610272,"shares":134881,"shareType":"SH","priorValue":8350842,"priorShares":130319},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US LARGE CAP VLU","cusip":"025072349","value":8620987,"shares":94518,"shareType":"SH","priorValue":7131567,"priorShares":88470},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQUITY","cusip":"25434V799","value":6238591,"shares":167434,"shareType":"SH","priorValue":5616085,"priorShares":158066},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US HIGH PROF ETF","cusip":"25434V831","value":5210659,"shares":124866,"shareType":"SH","priorValue":4296362,"priorShares":116876},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US SMALL CAP ETF","cusip":"25434V500","value":5187997,"shares":63007,"shareType":"SH","priorValue":4360767,"priorShares":61307}],"positionsListed":41,"positions":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":35426189,"shares":51581,"shareType":"SH","priorValue":29962513,"priorShares":50142},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"US QUALTY FCTR","cusip":"46641Q761","value":27548583,"shares":381137,"shareType":"SH","priorValue":23267507,"priorShares":379444},{"issuer":"INVESCO EXCH TRADED FD TR II","titleOfClass":"NASDAQ 100 ETF","cusip":"46138G649","value":13696062,"shares":45206,"shareType":"SH","priorValue":10995391,"priorShares":46273},{"issuer":"INVESCO QQQ TR","titleOfClass":"UNIT SER 1","cusip":"46090E103","value":11914952,"shares":16180,"shareType":"SH","priorValue":9379753,"priorShares":16251},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP BD","cusip":"92206C409","value":10113470,"shares":127970,"shareType":"SH","priorValue":8255416,"priorShares":104143},{"issuer":"VANGUARD TAX-MANAGED FDS","titleOfClass":"VAN FTSE DEV MKT","cusip":"921943858","value":9610272,"shares":134881,"shareType":"SH","priorValue":8350842,"priorShares":130319},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US LARGE CAP VLU","cusip":"025072349","value":8620987,"shares":94518,"shareType":"SH","priorValue":7131567,"priorShares":88470},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQUITY","cusip":"25434V799","value":6238591,"shares":167434,"shareType":"SH","priorValue":5616085,"priorShares":158066},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US HIGH PROF ETF","cusip":"25434V831","value":5210659,"shares":124866,"shareType":"SH","priorValue":4296362,"priorShares":116876},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US SMALL CAP ETF","cusip":"25434V500","value":5187997,"shares":63007,"shareType":"SH","priorValue":4360767,"priorShares":61307},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP DIV","cusip":"78464A763","value":4974308,"shares":32687,"shareType":"SH","priorValue":4870164,"priorShares":33371},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US LARG VALU ETF","cusip":"25434V666","value":3735977,"shares":94486,"shareType":"SH","priorValue":3388272,"priorShares":94883},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US TARGETED VLU","cusip":"25434V609","value":3601878,"shares":51529,"shareType":"SH","priorValue":3215489,"priorShares":51489},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR BLO 1 ETF","cusip":"78468R663","value":3140961,"shares":34275,"shareType":"SH","priorValue":2380166,"priorShares":25973},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US COR EQU 2 ETF","cusip":"25434V708","value":2969592,"shares":66943,"shareType":"SH","priorValue":2762830,"priorShares":71097},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMERGING MKTS CO","cusip":"25434V732","value":2824074,"shares":69490,"shareType":"SH","priorValue":2314609,"priorShares":66993},{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"ULTRA SHRT ETF","cusip":"46641Q837","value":2546099,"shares":50348,"shareType":"SH","priorValue":2247439,"priorShares":44407},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":2387128,"shares":6451,"shareType":"SH","priorValue":2092596,"priorShares":6523},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL HIGH PROFIT","cusip":"25434V765","value":1867935,"shares":54738,"shareType":"SH","priorValue":1598274,"priorShares":49605},{"issuer":"MARKEL GROUP INC","titleOfClass":"COM","cusip":"570535104","value":1644435,"shares":842,"shareType":"SH","priorValue":1548483,"priorShares":809},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL CORE EQT MK","cusip":"25434V203","value":1391858,"shares":33742,"shareType":"SH","priorValue":1286031,"priorShares":33009},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"WORLD EX US CORE","cusip":"25434V880","value":987596,"shares":26808,"shareType":"SH","priorValue":811244,"priorShares":23881},{"issuer":"BERKSHIRE HATHAWAY INC DEL","titleOfClass":"CL B NEW","cusip":"084670702","value":803126,"shares":1605,"shareType":"SH","priorValue":681902,"priorShares":1423},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":597579,"shares":1602,"shareType":"SH","priorValue":611151,"priorShares":1651},{"issuer":"AMERICAN CENTY ETF TR","titleOfClass":"US SML CP VALU","cusip":"025072877","value":582505,"shares":4669,"shareType":"SH","priorValue":453148,"priorShares":4102},{"issuer":"JOHNSON & JOHNSON","titleOfClass":"COM","cusip":"478160104","value":554671,"shares":2184,"shareType":"SH","priorValue":533857,"priorShares":2184},{"issuer":"ISHARES TR","titleOfClass":"RUS 1000 ETF","cusip":"464287622","value":502866,"shares":1228,"shareType":"SH","priorValue":374032,"priorShares":1049},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":492021,"shares":657,"shareType":"SH","priorValue":423281,"priorShares":648},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL A","cusip":"02079K305","value":473873,"shares":1326,"shareType":"SH","priorValue":381305,"priorShares":1326},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":460758,"shares":617,"shareType":"SH","priorValue":401260,"priorShares":617},{"issuer":"VANGUARD SPECIALIZED FUNDS","titleOfClass":"DIV APP ETF","cusip":"921908844","value":457860,"shares":1935,"shareType":"SH","priorValue":416142,"priorShares":1935},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":426517,"shares":1474,"shareType":"SH","priorValue":420784,"priorShares":1658},{"issuer":"MERCK & CO INC","titleOfClass":"COM","cusip":"58933Y105","value":408887,"shares":3182,"shareType":"SH","priorValue":398642,"priorShares":3314},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"EMGR CRE EQT MNG","cusip":"25434V302","value":341223,"shares":8486,"shareType":"SH","priorValue":287336,"priorShares":8486},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"INTL SMALL CAP E","cusip":"25434V773","value":332645,"shares":9496,"shareType":"SH","priorValue":275286,"priorShares":8176},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":325771,"shares":922,"shareType":"SH","priorValue":242397,"priorShares":845},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P SCP ETF","cusip":"464287804","value":269480,"shares":1817,"shareType":"SH","priorValue":211576,"priorShares":1702},{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":252399,"shares":2550,"shareType":"SH","priorValue":323025,"priorShares":3254},{"issuer":"DIMENSIONAL ETF TRUST","titleOfClass":"US CORE EQT MKT","cusip":"25434V104","value":248888,"shares":4815,"shareType":"SH","priorValue":217253,"priorShares":4815},{"issuer":"STATE STR SPDR S&P MIDCAP 40","titleOfClass":"UTSER1 S&PDCRP","cusip":"78467Y107","value":219443,"shares":312,"shareType":"SH","priorValue":205998,"priorShares":334},{"issuer":"MCKESSON CORP","titleOfClass":"COM","cusip":"58155Q103","value":213835,"shares":283,"shareType":"SH","priorValue":258743,"priorShares":299}]},"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."}