AdvisorCensus / Financial advisors / Ember L. Flack, JD, CFP, CLU, CHFC
Ember L. Flack, JD, CFP, CLU, CHFC
Filed as EMBER L. FLACK, JD, CFP, CLU, CHFC · Legal name Flack, Ember Louise
Ember L. Flack, JD, CFP, CLU, CHFC is an SEC-registered investment advisory firm, registered since 2004, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated April 2, 2026.
Quick answers
From the filingHow is Ember L. Flack, JD, CFP, CLU, CHFC compensated?
On its Form ADV (Item 5.E, October 2026), Ember L. Flack, JD, CFP, CLU, CHFC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).
How much does Ember L. Flack, JD, CFP, CLU, CHFC charge?
Its Form ADV Part 2A brochure dated April 2, 2026 states: Flat fee: $950 to $10,000 (Financial Plan analyses and Financial Plan Updates); Hourly rate: $350 an hour (special situations involving highly complex estates or financial issues…). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Is Ember L. Flack, JD, CFP, CLU, CHFC registered with the SEC or a state?
Ember L. Flack, JD, CFP, CLU, CHFC is an SEC-registered investment advisory firm, registered since 2004. Status as filed: Approved. CRD 114269.
How much does Ember L. Flack, JD, CFP, CLU, CHFC manage?
Ember L. Flack, JD, CFP, CLU, CHFC reports $180,000,000 in regulatory assets under management in its Form ADV filing dated April 2, 2026 (0% discretionary).
How have Ember L. Flack, JD, CFP, CLU, CHFC's assets and staff changed since 2021?
In the Form ADV data for Ember L. Flack, JD, CFP, CLU, CHFC: Regulatory assets under management: $185,000,000 in the October 2021 data and $180,000,000 in the October 2026 data, down 3%. Total employees: 3 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Ember L. Flack, JD, CFP, CLU, CHFC serve?
By number of clients on Form ADV Item 5.D: high net worth individuals (40).
Does Ember L. Flack, JD, CFP, CLU, CHFC 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/114269
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AThe brochure lists different fees for different services or strategies; see the brochure for them.
Flat fee: $950 to $10,000 (Financial Plan analyses and Financial Plan Updates)
The brochure's wording
Fixed fees for Financial Plan analyses and Financial Plan Updates range from $950 to $10,000, plus any out-of-the-ordinary reimbursable expenses
Hourly rate: $350 an hour (special situations involving highly complex estates or financial issues…)
The brochure's wording
an hourly fee of $ 350 per hour, plus reimbursable expenses, may be agreed upon for special situations involving highly complex estates or financial issues requiring advanced calculations
As stated in the firm's Form ADV Part 2A brochure dated April 2, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$180,000,000 as of October 2026, filing dated April 2, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
Registration and firm details
Items 1, 2, 5- Legal name
- Flack, Ember Louise
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2004 (22 years)
- Employees
- Total: 3. Performing investment advisory functions: 1.
- Wrap fee program participation
- No.
- States registered or notice-filed
-
1 state or jurisdiction
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $180,000,000 | 3 | April 2, 2026 |
| October 2025 | $175,000,000 | 3 | April 1, 2025 |
| October 2024 | $180,000,000 | 3 | March 25, 2024 |
| October 2023 | $180,000,000 | 3 | March 30, 2023 |
| October 2022 | $200,000,000 | 3 | March 28, 2022 |
| October 2021 | $185,000,000 | 3 | March 30, 2021 |
Regulatory assets under management: $185,000,000 in the October 2021 data and $180,000,000 in the October 2026 data, down 3%.
Total employees: 3 in October 2021 and 3 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 monthsNo changes to these filed facts in the last 12 months of filing data.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.INot reported.
Source: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Ember L. Flack, JD, CFP, CLU, CHFC (CRD 114269): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/ember-l-flack-jd-cfp-clu-chfc-114269