# Ember L. Flack, JD, CFP, CLU, CHFC

> 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.

- CRD: 114269
- Filed as: EMBER L. FLACK, JD, CFP, CLU, CHFC
- Legal name: Flack, Ember Louise
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: April 2, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/114269
- AdvisorCensus page: https://advisorcensus.com/firm/ember-l-flack-jd-cfp-clu-chfc-114269

## Quick answers

**How 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

### 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 April 2, 2026)

- Flat fee: $950 to $10,000 (Financial Plan analyses and Financial Plan Updates)

> 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…)

> 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 brochure. Fees can differ by service and may be negotiable.

### Regulatory assets under management (Item 5.F)
- Total: $180,000,000
- Discretionary: $0
- Non-discretionary: $180,000,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| High net worth individuals | 40 | $180,000,000 |

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

### Firm details
- Registered since: 2004 (22 years)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $185,000,000 | 3 | March 30, 2021 |
| October 2022 | $200,000,000 | 3 | March 28, 2022 |
| October 2023 | $180,000,000 | 3 | March 30, 2023 |
| October 2024 | $180,000,000 | 3 | March 25, 2024 |
| October 2025 | $175,000,000 | 3 | April 1, 2025 |
| October 2026 | $180,000,000 | 3 | April 2, 2026 |

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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Ember L. Flack, JD, CFP, CLU, CHFC (CRD 114269): Form ADV filing data as of October 2026.