# Financial & Business Consultants

> 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.

- CRD: 123100
- Filed as: FINANCIAL & BUSINESS CONSULTANTS
- Legal name: Chady, Ruth Auer
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Swansea, IL
- Filing period: October 2026
- Form ADV filing dated: July 11, 2011
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/123100
- AdvisorCensus page: https://advisorcensus.com/firm/financial-and-business-consultants-swansea-il-123100

## Quick answers

**How 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

### Compensation (Item 5.E)
- Hourly charges
- Commissions

### Regulatory assets under management (Item 5.F)
- Total: $15,500,000
- Discretionary: $0
- Non-discretionary: $15,500,000

### Advisory services (Item 5.G)
- Financial planning services

### Firm details
- Registered since: 1991 (35 years)
- Employees: Not reported total, Not reported performing advisory functions
- Wrap fee program participation: Not reported
- States registered or notice-filed: IL
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- ruthchady.com

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial & Business Consultants (CRD 123100): Form ADV filing data as of October 2026.