# CYR Financial Inc.

> 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.

- CRD: 277118
- Filed as: CYR FINANCIAL INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Hennepin, IL
- Filing period: October 2026
- Form ADV filing dated: April 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/277118
- AdvisorCensus page: https://advisorcensus.com/firm/cyr-financial-inc-hennepin-il-277118

## Quick answers

**How is CYR Financial Inc. compensated?**
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.

**How much does CYR Financial Inc. charge?**
Its Form ADV Part 2A brochure dated January 31, 2026 states: Hourly rate: $500 an hour (customized financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is CYR Financial Inc. located?**
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).

**Is CYR Financial Inc. registered with the SEC or a state?**
CYR Financial Inc. is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 277118.

**How much does CYR Financial Inc. manage?**
CYR Financial Inc. reports $180,516,603 in regulatory assets under management in its Form ADV filing dated April 13, 2026 (100% discretionary).

**How have CYR Financial Inc.'s assets and staff changed since 2024?**
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.

**What types of clients does CYR Financial Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (426); high net worth individuals (46).

**Which custodians does CYR Financial Inc. use?**
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.

**Does CYR Financial Inc. 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/277118

**Does CYR Financial Inc. state an account minimum?**
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."

**What changed in CYR Financial Inc.'s recent Form ADV filings?**
In the May 2026 filing data: Registered or notice-filed in CA, NH.

## From the Form ADV filing

### Compensation (Item 5.E)
- 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

### Fees and minimums (Form ADV Part 2A brochure dated January 31, 2026)

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> Cyr Financial generally requires a minimum relationship size of $500,000, which may be reduced at the sole discretion of the Advisor.

- Hourly rate: $500 an hour (customized financial planning services)

> For customized financial planning services, Cyr Financial provides services at an hourly rate up to $500 per hour or a fixed planning engagement that ranges up to $5,000, based on the scope of services to be provided.

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $180,516,603
- Discretionary: $180,516,603
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 426 | $99,711,901 |
| High net worth individuals | 46 | $80,804,702 |

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

### Firm details
- Registered since: 2024 (2 years)
- Employees: 9 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, CA, FL, IL, IN, NE, NH, TX, UT, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the May 2026 filing
- Princeton, IL

### Websites listed on Form ADV (Item 1.I)
- 5toask.com
- aimassessment.com
- aimretire.com
- cyrfinancial.com
- cyrfinancial.net
- cyrwealth.com
- downhillplanning.com
- lllinoisretire.com
- retire15.com
- retirementforlife.com
- retirementforlife.net
- rflshow.com
- Facebook @CYRFINANCIAL
- LinkedIn @cyr-financial
- X @CyrFinancial
- YouTube @UCUK-GPrCtN1CFUty5cdrcxQ

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $112,110,138 | 8 | June 3, 2024 |
| October 2025 | $127,657,835 | 10 | March 13, 2025 |
| October 2026 | $180,516,603 | 9 | April 13, 2026 |

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.

## Changes in the filing (last 12 months)

### May 2026
- Registered or notice-filed in CA, NH.

### April 2026
- Registered or notice-filed in UT.

### February 2026
- Employees performing advisory functions went from 6 to 5.
- Regulatory assets under management went from $127,657,835 to $180,516,603 (+41%).

### December 2025
- Registered or notice-filed in AL, IN, WI.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. CYR Financial Inc. (CRD 277118): Form ADV filing data as of October 2026.