# B&C Financial Advisors

> B&C Financial Advisors is an SEC-registered investment advisory firm in Ponte Vedra Beach, FL, registered since 1998, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated January 30, 2026.

- CRD: 110295
- Filed as: B&C FINANCIAL ADVISORS
- Legal name: Butensky & Cohen Financial Security Inc
- Also doing business as: B&C FINANCIAL ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Ponte Vedra Beach, FL
- Filing period: October 2026
- Form ADV filing dated: January 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/110295
- AdvisorCensus page: https://advisorcensus.com/firm/b-and-c-financial-advisors-ponte-vedra-beach-fl-110295

## Quick answers

**How is B&C Financial Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), B&C Financial Advisors reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does B&C Financial Advisors charge?**
Its Form ADV Part 2A brochure dated January 30, 2026 states: Hourly rate: up to $250 an hour (Targeted financial planning); Hourly rate: up to $50 an hour (clerical fees). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is B&C Financial Advisors located?**
B&C Financial Advisors' principal office is in Ponte Vedra Beach, FL, according to its Form ADV.

**Is B&C Financial Advisors registered with the SEC or a state?**
B&C Financial Advisors is an SEC-registered investment advisory firm, registered since 1998. Status as filed: Approved. CRD 110295.

**How much does B&C Financial Advisors manage?**
B&C Financial Advisors reports $626,009,888 in regulatory assets under management in its Form ADV filing dated January 30, 2026 (98% discretionary).

**How have B&C Financial Advisors' assets and staff changed since 2021?**
In the Form ADV data for B&C Financial Advisors: Regulatory assets under management: $413,178,611 in the October 2021 data and $626,009,888 in the October 2026 data, up 52%. Total employees: 10 in October 2021 and 12 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does B&C Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (392); high net worth individuals (146); corporations or other businesses not listed above (5).

**Which custodians does B&C Financial Advisors use?**
B&C Financial Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Pershing LLC as a custodian holding 10% or more of its separately managed account assets.

**Does B&C Financial Advisors report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/110295

**Does B&C Financial Advisors state an account minimum?**
Its Form ADV Part 2A brochure dated January 30, 2026 says: "We generally require a minimum initial investment of $ 250,000.00 to open a managed account; however, we retain the right to waive this minimum if we feel circumstances are warranted."

**What changed in B&C Financial Advisors' recent Form ADV filings?**
In the February 2026 filing data: Employees performing advisory functions went from 6 to 5. Regulatory assets under management went from $546,222,099 to $626,009,888 (+15%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 30, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> We generally require a minimum initial investment of $ 250,000.00 to open a managed account; however, we retain the right to waive this minimum if we feel circumstances are warranted.

- Hourly rate: up to $250 an hour (Targeted financial planning)

> The targeted planning fee will be billed at a rate not to exceed $250.00 per hour and any clerical fees will not exceed $50.00 per hour.

- Hourly rate: up to $50 an hour (clerical fees)

> The targeted planning fee will be billed at a rate not to exceed $250.00 per hour and any clerical fees will not exceed $50.00 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Pershing LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $626,009,888
- Discretionary: $613,868,351
- Non-discretionary: $12,141,537

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 392 | $131,616,576 |
| High net worth individuals | 146 | $470,261,511 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $605,516 |
| Charitable organizations | Fewer than 5 | $1,015,578 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 5 | $22,510,707 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 1998 (28 years)
- Employees: 12 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, FL, GA, LA, NC, NJ, NY, PA, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- bandcfinancial.com
- butenskycohen.com
- Facebook @BANDCFINANCIAL
- LinkedIn @BUTENSKY-&-COHEN-FINANCIAL-SECURITY-INC-
- X @BANDCFINANCIAL

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $413,178,611 | 10 | February 16, 2021 |
| October 2022 | $482,561,724 | 10 | September 15, 2022 |
| October 2023 | $462,279,635 | 11 | January 31, 2023 |
| October 2024 | $502,704,232 | 10 | March 6, 2024 |
| October 2025 | $546,222,099 | 12 | February 25, 2025 |
| October 2026 | $626,009,888 | 12 | January 30, 2026 |

Regulatory assets under management: $413,178,611 in the October 2021 data and $626,009,888 in the October 2026 data, up 52%.
Total employees: 10 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Employees performing advisory functions went from 6 to 5.
- Regulatory assets under management went from $546,222,099 to $626,009,888 (+15%).

### January 2026
- No longer registered or notice-filed in NH.

### December 2025
- Registered or notice-filed in PA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. B&C Financial Advisors (CRD 110295): Form ADV filing data as of October 2026.