{
  "path": "/advisors/oh/toledo/flat-fee",
  "url": "https://advisorcensus.com/advisors/oh/toledo/flat-fee",
  "page_type": "metro_fee",
  "title": "Flat-fee financial advisors in Toledo, OH",
  "filters": {},
  "scope_total": 23,
  "faq": [
    {
      "q": "How many financial advisory firms are there in Toledo, OH?",
      "a": "AdvisorCensus lists 35 investment advisory firms with a principal office in the Toledo metro area, from Form ADV filings as of October 2026: 17 SEC-registered, 18 state-registered, and 0 exempt reporting advisers. Firms may request removal, so the count can differ slightly from the number of firms that file Form ADV."
    },
    {
      "q": "How many fee-only financial advisors are in Toledo, OH?",
      "a": "9 of the 35 firms meet AdvisorCensus's fee-only test: paid only by a percentage of assets, hourly charges, fixed fees, or subscription fees on Form ADV Item 5.E (no commissions, performance-based fees, or other compensation), with no sales-related compensation ties in the same filing: no employee registered with a broker-dealer or licensed as an insurance agent (Item 5.B), no brokerage, insurance, real estate, or other product sales business (Item 6.A), no related broker-dealer, insurance company, real estate broker, or futures commission merchant (Item 7.A), and no referral fees from others or other sales interest (Item 8). Form ADV has no fee-only box, so this is derived from the filing; it is not a fee-only certification, and a firm's own page lists its compensation arrangements as filed."
    },
    {
      "q": "How many financial advisors in Toledo, OH offer financial planning?",
      "a": "27 of the 35 firms in Toledo, OH that answer Form ADV Item 5.G, which asks what advisory services a firm provides, report financial planning services, as of October 2026. Exempt reporting advisers do not answer Item 5.G. Each firm page lists every advisory service the firm reports."
    },
    {
      "q": "Are the financial advisors in Toledo, OH fiduciaries?",
      "a": "Every firm on this page is an investment adviser that files Form ADV, and an investment adviser owes its clients a fiduciary duty under federal law, made up of a duty of care and a duty of loyalty: it must act in the client's best interest and not put its own interests ahead of the client's, and must eliminate its conflicts of interest or disclose them fully and fairly. Form ADV has no fiduciary box because the duty comes with being an investment adviser. The duty covers the firm's advice; a firm or its people may also sell securities through a broker-dealer or insurance as licensed agents, roles held to other standards. The 9 firms that meet AdvisorCensus's fee-only test report none of those sales ties."
    },
    {
      "q": "How do I check whether a financial advisor has disciplinary disclosures?",
      "a": "Each firm page shows how many Form ADV Item 11 disciplinary questions the firm answered yes and links to the firm's record on the SEC's Investment Adviser Public Disclosure site (adviserinfo.sec.gov), where the detail of each disclosure is public. Individual advisers' records are on the same site and on FINRA BrokerCheck."
    },
    {
      "q": "Does AdvisorCensus rate, verify, or recommend these firms?",
      "a": "No. The directory shows what each firm filed, in alphabetical order unless you choose another sort, and no firm's position depends on payment. Firms that claim their page can add a description and links, marked as provided by the firm; the filed facts are never changed by that content."
    },
    {
      "q": "What does regulatory assets under management mean?",
      "a": "Regulatory assets under management (RAUM) is the figure a firm reports on Form ADV Item 5.F: the securities portfolios it provides continuous and regular supervisory or management services for, at market value, including assets managed without discretion. It measures scale, not performance or quality."
    }
  ],
  "period": "2026-10-01",
  "answer_paragraph": "AdvisorCensus lists 23 investment advisory firms with a principal office in the Toledo metro area that report fixed fees among their Form ADV Item 5.E compensation arrangements, drawn from Form ADV filings as of October 2026. Firms are listed alphabetically; sort by years registered or assets band using the controls below, and read the methodology block for how this page is derived.",
  "about_market": "Toledo has 35 investment advisory firms with a principal office in the metro area as of October 2026: 17 SEC-registered, 18 state-registered, and 0 exempt reporting advisers. 9 of them meet AdvisorCensus's fee-only test (paid only by client fees, with no sales-related compensation ties such as an employee registered with a broker-dealer or licensed as an insurance agent), and 11 report under $100 million in regulatory assets under management. The metro area has 254,486 households, 19,399 of them with income of $200,000 or more, or 554 such households for each firm (Census Bureau, American Community Survey 2020–2024 5-year estimates).",
  "citation": "AdvisorCensus. Flat-fee financial advisors in Toledo, OH: 23 firms from Form ADV filings as of October 2026.",
  "total_firms": 23,
  "page": 1,
  "total_pages": 1,
  "sort": "name",
  "registration_types": {
    "sec": 12,
    "state": 11,
    "exempt": 0
  },
  "fee_model_mix": [
    {
      "code": "fee-only",
      "count": 6
    },
    {
      "code": "percentage_of_aum",
      "count": 19
    },
    {
      "code": "hourly",
      "count": 20
    },
    {
      "code": "subscription",
      "count": 1
    },
    {
      "code": "fixed",
      "count": 23
    },
    {
      "code": "commissions",
      "count": 0
    },
    {
      "code": "performance_based",
      "count": 0
    },
    {
      "code": "other",
      "count": 8
    },
    {
      "code": "not_reported",
      "count": 0
    }
  ],
  "years_registered_distribution": [
    {
      "code": "under_5",
      "count": 7
    },
    {
      "code": "5_to_9",
      "count": 5
    },
    {
      "code": "10_to_19",
      "count": 4
    },
    {
      "code": "20_plus",
      "count": 7
    },
    {
      "code": "not_reported",
      "count": 0
    }
  ],
  "raum_band_distribution": [
    {
      "code": "under_25m",
      "count": 5
    },
    {
      "code": "25m_100m",
      "count": 0
    },
    {
      "code": "100m_500m",
      "count": 8
    },
    {
      "code": "500m_1b",
      "count": 0
    },
    {
      "code": "1b_5b",
      "count": 3
    },
    {
      "code": "over_5b",
      "count": 2
    },
    {
      "code": "not_reported",
      "count": 5
    }
  ],
  "firms": [
    {
      "crd_number": 105363,
      "name": "Alan B. Lancz & Associates, Inc.",
      "name_as_filed": "ALAN B. LANCZ & ASSOCIATES, INC.",
      "url": "https://advisorcensus.com/firm/alan-b-lancz-and-associates-inc-toledo-oh-105363",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 41,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 327291,
      "name": "Apricity Financial Planning",
      "name_as_filed": "APRICITY FINANCIAL PLANNING",
      "url": "https://advisorcensus.com/firm/apricity-financial-planning-whitehouse-oh-327291",
      "city": "Whitehouse",
      "state": "OH",
      "years_registered": 3,
      "raum_band": "under_25m",
      "compensation_types": [
        "percentage_of_aum",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 169956,
      "name": "Atlantis Wealth Advisors LLC",
      "name_as_filed": "ATLANTIS WEALTH ADVISORS LLC",
      "url": "https://advisorcensus.com/firm/atlantis-wealth-advisors-llc-maumee-oh-169956",
      "city": "Maumee",
      "state": "OH",
      "years_registered": 12,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 150396,
      "name": "Bollin Wealth Management, LLC",
      "name_as_filed": "BOLLIN WEALTH MANAGEMENT, LLC",
      "url": "https://advisorcensus.com/firm/bollin-wealth-management-llc-perrysburg-oh-150396",
      "city": "Perrysburg",
      "state": "OH",
      "years_registered": 17,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 335785,
      "name": "Candela Financial",
      "name_as_filed": "CANDELA FINANCIAL",
      "url": "https://advisorcensus.com/firm/candela-financial-toledo-oh-335785",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 1,
      "raum_band": "under_25m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 120123,
      "name": "Childs Investment Group, Inc",
      "name_as_filed": "CHILDS INVESTMENT GROUP, INC",
      "url": "https://advisorcensus.com/firm/childs-investment-group-inc-archbold-oh-120123",
      "city": "Archbold",
      "state": "OH",
      "years_registered": 26,
      "raum_band": "not_reported",
      "compensation_types": [
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 297666,
      "name": "Croak Capital",
      "name_as_filed": "CROAK CAPITAL",
      "url": "https://advisorcensus.com/firm/croak-capital-toledo-oh-297666",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 4,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 156733,
      "name": "Fourth Dimension Financial Group",
      "name_as_filed": "FOURTH DIMENSION FINANCIAL GROUP",
      "url": "https://advisorcensus.com/firm/fourth-dimension-financial-group-perrysburg-oh-156733",
      "city": "Perrysburg",
      "state": "OH",
      "years_registered": 15,
      "raum_band": "not_reported",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 119804,
      "name": "Gould Ruma Financial Advisors",
      "name_as_filed": "GOULD RUMA FINANCIAL ADVISORS",
      "url": "https://advisorcensus.com/firm/gould-ruma-financial-advisors-toledo-oh-119804",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 27,
      "raum_band": "not_reported",
      "compensation_types": [
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 154955,
      "name": "Heritage Financial Advisors, LLC",
      "name_as_filed": "HERITAGE FINANCIAL ADVISORS, LLC",
      "url": "https://advisorcensus.com/firm/heritage-financial-advisors-llc-waterville-oh-154955",
      "city": "Waterville",
      "state": "OH",
      "years_registered": 9,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 298331,
      "name": "KMG Fiduciary Partners, LLC",
      "name_as_filed": "KMG FIDUCIARY PARTNERS, LLC",
      "url": "https://advisorcensus.com/firm/kmg-fiduciary-partners-llc-toledo-oh-298331",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 8,
      "raum_band": "1b_5b",
      "compensation_types": [
        "percentage_of_aum",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 299160,
      "name": "Macino Financial, LLC",
      "name_as_filed": "MACINO FINANCIAL, LLC",
      "url": "https://advisorcensus.com/firm/macino-financial-llc-holland-oh-299160",
      "city": "Holland",
      "state": "OH",
      "years_registered": 7,
      "raum_band": "under_25m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 104926,
      "name": "MPM Wealth Advisors",
      "name_as_filed": "MPM WEALTH ADVISORS",
      "url": "https://advisorcensus.com/firm/mpm-wealth-advisors-holland-oh-104926",
      "city": "Holland",
      "state": "OH",
      "years_registered": 30,
      "raum_band": "1b_5b",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 174414,
      "name": "Munn Wealth Management, LLC",
      "name_as_filed": "MUNN WEALTH MANAGEMENT, LLC",
      "url": "https://advisorcensus.com/firm/munn-wealth-management-llc-maumee-oh-174414",
      "city": "Maumee",
      "state": "OH",
      "years_registered": 11,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 328307,
      "name": "Patriot Wealth Planners LLC",
      "name_as_filed": "PATRIOT WEALTH PLANNERS LLC",
      "url": "https://advisorcensus.com/firm/patriot-wealth-planners-llc-maumee-oh-328307",
      "city": "Maumee",
      "state": "OH",
      "years_registered": 2,
      "raum_band": "not_reported",
      "compensation_types": [
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 133632,
      "name": "Reinhart Asset Management LLC",
      "name_as_filed": "REINHART ASSET MANAGEMENT LLC",
      "url": "https://advisorcensus.com/firm/reinhart-asset-management-llc-toledo-oh-133632",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 21,
      "raum_band": "under_25m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 342372,
      "name": "Ruiz Financial Group, LLC",
      "name_as_filed": "RUIZ FINANCIAL GROUP, LLC",
      "url": "https://advisorcensus.com/firm/ruiz-financial-group-llc-toledo-oh-342372",
      "city": "Toledo",
      "state": "OH",
      "years_registered": 0,
      "raum_band": "under_25m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 107219,
      "name": "SJS Investment Services",
      "name_as_filed": "SJS INVESTMENT SERVICES",
      "url": "https://advisorcensus.com/firm/sjs-investment-services-sylvania-oh-107219",
      "city": "Sylvania",
      "state": "OH",
      "years_registered": 31,
      "raum_band": "1b_5b",
      "compensation_types": [
        "percentage_of_aum",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 341078,
      "name": "Tayyib Investments LLC",
      "name_as_filed": "TAYYIB INVESTMENTS LLC",
      "url": "https://advisorcensus.com/firm/tayyib-investments-llc-sylvania-oh-341078",
      "city": "Sylvania",
      "state": "OH",
      "years_registered": 0,
      "raum_band": "not_reported",
      "compensation_types": [
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 124407,
      "name": "TFO Wealth Partners",
      "name_as_filed": "TFO WEALTH PARTNERS",
      "url": "https://advisorcensus.com/firm/tfo-wealth-partners-maumee-oh-124407",
      "city": "Maumee",
      "state": "OH",
      "years_registered": 23,
      "raum_band": "over_5b",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 168561,
      "name": "The Retirement Guys Formula",
      "name_as_filed": "THE RETIREMENT GUYS FORMULA",
      "url": "https://advisorcensus.com/firm/the-retirement-guys-formula-maumee-oh-168561",
      "city": "Maumee",
      "state": "OH",
      "years_registered": 6,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed",
        "other"
      ],
      "enhanced": false
    },
    {
      "crd_number": 304237,
      "name": "Venture Visionary Partners LLC",
      "name_as_filed": "VENTURE VISIONARY PARTNERS LLC",
      "url": "https://advisorcensus.com/firm/venture-visionary-partners-llc-sylvania-oh-304237",
      "city": "Sylvania",
      "state": "OH",
      "years_registered": 7,
      "raum_band": "over_5b",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "fixed"
      ],
      "enhanced": false
    },
    {
      "crd_number": 331608,
      "name": "Wurz Financial Services, LLC",
      "name_as_filed": "WURZ FINANCIAL SERVICES, LLC",
      "url": "https://advisorcensus.com/firm/wurz-financial-services-llc-holland-oh-331608",
      "city": "Holland",
      "state": "OH",
      "years_registered": 0,
      "raum_band": "100m_500m",
      "compensation_types": [
        "percentage_of_aum",
        "hourly",
        "subscription",
        "fixed"
      ],
      "enhanced": false
    }
  ],
  "states": [],
  "metros": [],
  "siblings": {
    "national": "/advisors",
    "state": {
      "path": "/advisors/oh",
      "label": "Financial advisors in Ohio"
    },
    "metro": {
      "path": "/advisors/oh/toledo",
      "label": "Financial advisors in Toledo, OH"
    },
    "city_pages": [],
    "fee_pages": [
      {
        "path": "/advisors/oh/toledo/fee-only",
        "label": "Fee-only financial advisors in Toledo, OH",
        "firm_count": 9
      },
      {
        "path": "/advisors/oh/toledo/hourly",
        "label": "Hourly financial advisors in Toledo, OH",
        "firm_count": 23
      }
    ],
    "niche_pages": [],
    "state_fee": {
      "path": "/advisors/oh/flat-fee",
      "label": "Flat-fee financial advisors in Ohio"
    }
  },
  "csv": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}