{
  "crd_number": 123100,
  "slug": "financial-and-business-consultants-swansea-il-123100",
  "primary_business_name": "FINANCIAL & BUSINESS CONSULTANTS",
  "legal_name": "CHADY, RUTH AUER",
  "dbas": [],
  "city": "Swansea",
  "state": "IL",
  "country": "United States",
  "cbsa_code": "41180",
  "metro": {
    "cbsa_code": "41180",
    "common_name": "St. Louis",
    "msa_name": "St. Louis, MO-IL",
    "path": "/advisors/mo/st-louis"
  },
  "registration_type": "state",
  "registration_status": "APPROVED",
  "registration_date": "1991-06-11",
  "years_registered": 35,
  "period": "2026-10-01",
  "filing_date": "2011-07-11",
  "carried_forward": false,
  "raum_total": 15500000.0,
  "raum_discretionary": 0.0,
  "raum_non_discretionary": 15500000.0,
  "raum_band": "under_25m",
  "raum_band_label": "Under $25 million",
  "total_employees": null,
  "advisory_employees": null,
  "client_count_bucket": null,
  "clients_by_type": null,
  "compensation_types": [
    "commissions",
    "hourly"
  ],
  "advisory_activities": [
    "financial_planning"
  ],
  "wrap_fee_participant": null,
  "disclosure_yes_count": 0,
  "states_registered": [
    "IL"
  ],
  "websites": [
    "https://ruthchady.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/123100",
  "city_as_filed": "SWANSEA",
  "url": "https://advisorcensus.com/firm/financial-and-business-consultants-swansea-il-123100",
  "display_name": "Financial & Business Consultants",
  "summary": "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.",
  "citation": "AdvisorCensus. Financial & Business Consultants (CRD 123100): Form ADV filing data as of October 2026.",
  "registration_type_label": "State-registered investment adviser",
  "compensation_labels": [
    "Hourly charges",
    "Commissions"
  ],
  "advisory_activity_labels": [
    "Financial planning services"
  ],
  "quick_answers": [
    {
      "q": "How is Financial & Business Consultants compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Financial & Business Consultants reports these compensation arrangements: hourly charges; commissions."
    },
    {
      "q": "Where is Financial & Business Consultants located?",
      "a": "Financial & Business Consultants' principal office is in Swansea, IL, according to its Form ADV."
    },
    {
      "q": "Is Financial & Business Consultants registered with the SEC or a state?",
      "a": "Financial & Business Consultants is a state-registered investment advisory firm, registered since 1991. Status as filed: APPROVED. CRD 123100."
    },
    {
      "q": "How much does Financial & Business Consultants manage?",
      "a": "Financial & Business Consultants reports $15,500,000 in regulatory assets under management in its Form ADV filing dated July 11, 2011 (0% discretionary)."
    },
    {
      "q": "Does Financial & Business Consultants report any disciplinary disclosures?",
      "a": "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"
    }
  ],
  "filing_history": [],
  "recent_changes": [],
  "fees_from_brochure": null,
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/financial-and-business-consultants-swansea-il-123100.md",
  "clients": [],
  "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/123100",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}