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The fee is billed in advance and is negotiable.","source":"FORM ADV PART 2 - FIRM BROCHURE, filed 9 February 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Warner Financial use?","answer":"Warner Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $852M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Warner Financial have?","answer":"Warner Financial has 4 investment adviser representatives registered with state securities authorities, out of 4 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 Warner Financial invest in?","answer":"At the end of its last fiscal year, Warner Financial’s separately managed accounts held 53% registered funds (mutual funds, ETFs, BDCs), 36% exchange-traded equities, 8% cash and equivalents, 2% U.S. government and agency bonds and 1% state and local 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 Warner Financial?","answer":"Warner Financial’s direct owners are Barbara Warner (50% to 75%) and Christopher Warner (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 9 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Warner Financial get paid?","answer":"Warner Financial is paid through a percentage of assets under management, hourly charges and fixed fees. 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