{"url":"https://nivawealth.com/firms/zuraw-financial-advisors-173129","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/173129","regulatoryAum":519944390,"crd":"173129","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6994676","suffix":null,"lastName":"Thompson","firstName":"Lucy","middleName":"Zuraw"},{"crd":"4906373","suffix":null,"lastName":"ZURAW","firstName":"ANN","middleName":"BENJAMIN"}],"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":"2021-04-16","regulatoryAum":269793947,"clients":156,"employees":2,"offices":2},{"filedOn":"2022-02-08","regulatoryAum":309198959,"clients":152,"employees":2,"offices":2},{"filedOn":"2023-06-14","regulatoryAum":264353235,"clients":166,"employees":2,"offices":2},{"filedOn":"2024-06-19","regulatoryAum":424753741,"clients":154,"employees":2,"offices":2},{"filedOn":"2025-06-26","regulatoryAum":444127224,"clients":151,"employees":3,"offices":2},{"filedOn":"2026-02-23","regulatoryAum":519944390,"clients":165,"employees":3,"offices":2}],"secFileNumber":"801-80364","legalName":"Zuraw Financial Advisors, LLC","displayName":"Zuraw Financial Advisors","slug":"zuraw-financial-advisors-173129","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"Https://www.linkedin.com/company/zuraw-financial-advisors-llc/","founded":"2013","organization":"North Carolina other (specify)","fiscalYearEnd":"December","headquarters":{"street":"806 Green Valley Road, Suite 201","city":"Greensboro","state":"NC","stateName":"North Carolina","country":"United States","postalCode":"27408"},"tradeNames":[],"registration":{"secApproved":"24 September 2014","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2770694.1233766233,"staff":{"employees":3,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":519944390,"discretionary":519944390,"discretionaryAccounts":756,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":90,"regulatoryAum":31221535},{"label":"High-net-worth individuals","clients":64,"regulatoryAum":395465360},{"label":"Banking or thrift institutions","clients":1,"fewerThan5":true,"regulatoryAum":32374},{"label":"Corporations and other businesses","clients":10,"regulatoryAum":93225121}],"feePrograms":[{"role":"other","program":"Financial Planning and Consulting","summary":"Fixed fee mutually agreed in advance, with an estimate given before signing; a full credit applies if $250,000 is placed under management within three months and kept for at least one year.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011118","versionId":1011118,"submittedOn":"2026-02-23","documentName":"PART 2A OF FORM ADV: ZURAW FINANCIAL ADVISORS, LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T10:00:23.818355+00:00","documents":[{"name":"PART 2A OF FORM ADV: ZURAW FINANCIAL ADVISORS, LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011118","versionId":1011118,"submittedOn":"2026-02-23"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Franscico, CA","smaAssets":410437832},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":109506558}],"custodyNote":"Zuraw Financial Advisors has custody of $64.8M for 70 clients.","otherCustodians":[],"leadership":[{"name":"Ann Zuraw","title":"Managing Member, Chief Compliance Officer","crd":"4906373"},{"name":"Lucy Thompson","title":"Co-Manager, Treasurer, Secretary","crd":"6994676"}],"ownership":[{"label":"Ann Zuraw","detail":"Managing member, chief compliance officer in the 50% to 75% ownership band and a control person, since September 2014."},{"label":"Lucy Thompson","detail":"Co-manager, treasurer, secretary in the 25% to 50% ownership band, since February 2026."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"North Carolina","offices":1,"addresses":[{"street":"806 Green Valley Road, Suite 201","city":"Greensboro","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"3362907062101","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)","Educational seminars/workshops"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":57},{"label":"Non-exchange-traded equity securities","percent":1},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":6},{"label":"Securities issued by registered investment companies or business development companies","percent":31},{"label":"Cash and cash equivalents","percent":3}],"privateFunds":0},"sources":{"adv1FilingDate":"23 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/173129/PDF/173129.pdf","brochureDate":"23 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1011118","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 Zuraw Financial Advisors have?","answer":"Zuraw Financial Advisors has 165 clients and manages $520 million for them, as of February 2026. They include 90 individual clients, 64 high-net-worth individuals, and 10 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 23 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Zuraw Financial Advisors offer?","answer":"Zuraw Financial Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, educational seminars, education planning, estate planning, and insurance.","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":"Which custodians does Zuraw Financial Advisors use?","answer":"Zuraw Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Franscico, CA), with $410M and Fidelity Brokerage Services LLC (Smithfield, RI), with $110M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Zuraw Financial Advisors have?","answer":"Zuraw Financial Advisors has 2 investment adviser representatives registered with state securities authorities, out of 3 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 Zuraw Financial Advisors invest in?","answer":"At the end of its last fiscal year, Zuraw Financial Advisors’ separately managed accounts held 57% exchange-traded equities, 31% registered funds (mutual funds, ETFs, BDCs), 6% investment grade corporate bonds, 3% cash and equivalents, 2% state and local bonds and 1% non-exchange-traded equities.","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 Zuraw Financial Advisors?","answer":"Zuraw Financial Advisors’ direct owners are Ann Zuraw (50% to 75%) and Lucy Thompson (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 23 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Zuraw Financial Advisors get paid?","answer":"Zuraw Financial Advisors 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 Zuraw Financial Advisors?","answer":"Zuraw Financial Advisors’ main office is at 806 Green Valley Road, Suite 201, Greensboro, NC 27408. Its phone number is 3362907062101.","source":"Form ADV Part 1A, Item 1.F, filed 23 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."}