{
  "crd_number": 277118,
  "slug": "cyr-financial-inc-hennepin-il-277118",
  "primary_business_name": "CYR FINANCIAL INC.",
  "legal_name": "CYR FINANCIAL INC.",
  "dbas": [],
  "city": "Hennepin",
  "state": "IL",
  "country": "United States",
  "cbsa_code": "36837",
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2024-03-01",
  "years_registered": 2,
  "period": "2026-10-01",
  "filing_date": "2026-04-13",
  "carried_forward": false,
  "raum_total": 180516603.0,
  "raum_discretionary": 180516603.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 9,
  "advisory_employees": 5,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 99711901.0,
      "count": 426
    },
    "high_net_worth_individuals": {
      "raum": 80804702.0,
      "count": 46
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum",
    "performance_based",
    "subscription"
  ],
  "advisory_activities": [
    "financial_planning",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AL",
    "CA",
    "FL",
    "IL",
    "IN",
    "NE",
    "NH",
    "TX",
    "UT",
    "WI"
  ],
  "websites": [
    "https://5toask.com",
    "https://aimassessment.com",
    "https://aimretire.com",
    "https://cyrfinancial.com",
    "https://cyrfinancial.net",
    "https://cyrwealth.com",
    "https://downhillplanning.com",
    "https://facebook.com/CYRFINANCIAL",
    "https://linkedin.com/company/cyr-financial",
    "https://lllinoisretire.com",
    "https://retire15.com",
    "https://retirementforlife.com",
    "https://retirementforlife.net",
    "https://rflshow.com",
    "https://twitter.com/CyrFinancial",
    "https://youtube.com/channel/UCUK-GPrCtN1CFUty5cdrcxQ/videos"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/277118",
  "city_as_filed": "HENNEPIN",
  "url": "https://advisorcensus.com/firm/cyr-financial-inc-hennepin-il-277118",
  "display_name": "CYR Financial Inc.",
  "summary": "CYR Financial Inc. is an SEC-registered investment advisory firm in Hennepin, IL, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 13, 2026.",
  "citation": "AdvisorCensus. CYR Financial Inc. (CRD 277118): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Subscription fees (for a newsletter or periodical)",
    "Fixed fees (other than subscription fees)",
    "Performance-based fees"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses"
  ],
  "quick_answers": [
    {
      "q": "How is CYR Financial Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), CYR Financial Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; subscription fees (for a newsletter or periodical); fixed fees (other than subscription fees); performance-based fees."
    },
    {
      "q": "Where is CYR Financial Inc. located?",
      "a": "CYR Financial Inc.'s principal office is in Hennepin, IL, according to its Form ADV; the May 2026 filing also lists 1 other office (Schedule D, Section 1.F)."
    },
    {
      "q": "Is CYR Financial Inc. registered with the SEC or a state?",
      "a": "CYR Financial Inc. is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 277118."
    },
    {
      "q": "How much does CYR Financial Inc. manage?",
      "a": "CYR Financial Inc. reports $180,516,603 in regulatory assets under management in its Form ADV filing dated April 13, 2026 (100% discretionary)."
    },
    {
      "q": "How have CYR Financial Inc.'s assets and staff changed since 2024?",
      "a": "In the Form ADV data for CYR Financial Inc.: Regulatory assets under management: $112,110,138 in the October 2024 data and $180,516,603 in the October 2026 data, up 61%. Total employees: 8 in October 2024 and 9 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does CYR Financial Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (426); high net worth individuals (46)."
    },
    {
      "q": "Which custodians does CYR Financial Inc. use?",
      "a": "CYR Financial Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does CYR Financial Inc. report any disciplinary disclosures?",
      "a": "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/277118"
    },
    {
      "q": "Does CYR Financial Inc. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated January 31, 2026 says: \"Cyr Financial generally requires a minimum relationship size of $500,000, which may be reduced at the sole discretion of the Advisor.\""
    },
    {
      "q": "What changed in CYR Financial Inc.'s recent Form ADV filings?",
      "a": "In the May 2026 filing data: Registered or notice-filed in CA, NH."
    }
  ],
  "filing_history": [
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 112110138.0,
      "total_employees": 8,
      "filing_date": "2024-06-03"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 127657835.0,
      "total_employees": 10,
      "filing_date": "2025-03-13"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 180516603.0,
      "total_employees": 9,
      "filing_date": "2026-04-13"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-05-01",
      "period_label": "May 2026",
      "notes": [
        "Registered or notice-filed in CA, NH."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Registered or notice-filed in UT."
      ]
    },
    {
      "period": "2026-02-01",
      "period_label": "February 2026",
      "notes": [
        "Employees performing advisory functions went from 6 to 5.",
        "Regulatory assets under management went from $127,657,835 to $180,516,603 (+41%)."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Registered or notice-filed in AL, IN, WI."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated January 31, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$500,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $500,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Cyr Financial generally requires a minimum relationship size of $500,000, which may be reduced at the sole discretion of the Advisor."
        ]
      }
    ],
    "quotes": [
      "Cyr Financial generally requires a minimum relationship size of $500,000, which may be reduced at the sole discretion of the Advisor."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/cyr-financial-inc-hennepin-il-277118.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 426,
      "fewer_than_5": false,
      "raum": 99711901.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 46,
      "fewer_than_5": false,
      "raum": 80804702.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/277118",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}