AdvisorCensus / Financial advisors / Missouri / St. Louis / Financial & Business Consultants
Financial & Business Consultants
Filed as FINANCIAL & BUSINESS CONSULTANTS · Legal name Chady, Ruth Auer
Financial & Business Consultants is a state-registered investment advisory firm in Swansea, IL, registered since 1991, reporting under $25 million in regulatory assets under management in its Form ADV filing dated July 11, 2011.
Quick answers
From the filingHow is Financial & Business Consultants compensated?
On its Form ADV (Item 5.E, October 2026), Financial & Business Consultants reports these compensation arrangements: hourly charges; commissions.
Where is Financial & Business Consultants located?
Financial & Business Consultants' principal office is in Swansea, IL, according to its Form ADV.
Is Financial & Business Consultants registered with the SEC or a state?
Financial & Business Consultants is a state-registered investment advisory firm, registered since 1991. Status as filed: APPROVED. CRD 123100.
How much does Financial & Business Consultants manage?
Financial & Business Consultants reports $15,500,000 in regulatory assets under management in its Form ADV filing dated July 11, 2011 (0% discretionary).
Does Financial & Business Consultants report any disciplinary disclosures?
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/123100
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- Hourly charges
- Commissions
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
Regulatory assets under management
Item 5.F$15,500,000 as of October 2026, filing dated July 11, 2011.
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.DNot reported.
A 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
Registration and firm details
Items 1, 2, 5- Legal name
- Chady, Ruth Auer
- Registration
- State-registered investment adviser. Status as filed: APPROVED.
- Registered since
- 1991 (35 years)
- Employees
- Total: Not reported. Performing investment advisory functions: Not reported.
- Wrap fee program participation
- Not reported.
- States registered or notice-filed
-
1 state or jurisdiction
State-registered investment advisers are examined by their state securities regulator. 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
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.ISource: 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. Financial & Business Consultants (CRD 123100): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/financial-and-business-consultants-swansea-il-123100