# Karagosian Financial Services, Inc

> Karagosian Financial Services, Inc is an SEC-registered investment advisory firm in Croton on Hudson, NY, registered since 2021, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated March 9, 2026.

- CRD: 124532
- Filed as: KARAGOSIAN FINANCIAL SERVICES, INC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Croton on Hudson, NY
- Filing period: October 2026
- Form ADV filing dated: March 9, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/124532
- AdvisorCensus page: https://advisorcensus.com/firm/karagosian-financial-services-inc-croton-on-hudson-ny-124532

## Quick answers

**How is Karagosian Financial Services, Inc compensated?**
On its Form ADV (Item 5.E, October 2026), Karagosian Financial Services, Inc reports these compensation arrangements: a percentage of assets under its management.

**How much does Karagosian Financial Services, Inc charge?**
Its Form ADV Part 2A brochure dated March 9, 2026 states: Up to $500,000: 1.5% a year; $500,001 to $5,000,000: 1.25% a year; Above $5,000,000: 1% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Karagosian Financial Services, Inc located?**
Karagosian Financial Services, Inc's principal office is in Croton on Hudson, NY, according to its Form ADV.

**Is Karagosian Financial Services, Inc registered with the SEC or a state?**
Karagosian Financial Services, Inc is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 124532.

**How much does Karagosian Financial Services, Inc manage?**
Karagosian Financial Services, Inc reports $26,789,020 in regulatory assets under management in its Form ADV filing dated March 9, 2026 (96% discretionary).

**How have Karagosian Financial Services, Inc's assets and staff changed since 2021?**
In the Form ADV data for Karagosian Financial Services, Inc: Regulatory assets under management: $26,549,676 in the October 2021 data and $26,789,020 in the October 2026 data, up 1%. Total employees: 2 in October 2021 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Karagosian Financial Services, Inc serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (40); high net worth individuals (12).

**Which custodians does Karagosian Financial Services, Inc use?**
Karagosian Financial Services, Inc's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Interactive Brokers LLC and Pershing LLC as custodians holding 10% or more of its separately managed account assets.

**Does Karagosian Financial Services, Inc 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/124532

**What changed in Karagosian Financial Services, Inc's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 2 to 1.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Fees and minimums (Form ADV Part 2A brochure dated March 9, 2026)

- Up to $500,000: 1.5% a year
- $500,001 to $5,000,000: 1.25% a year
- Above $5,000,000: 1% a year

> Our current fee schedule is illustrated below. However, all fees are negotiable.

> $0- $500,000 1.50% $500,001- $5,000,000 1.25% $5,000,000- plus 1.00%

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Interactive Brokers LLC
- Pershing LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $26,789,020
- Discretionary: $25,789,089
- Non-discretionary: $999,931

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 40 | $9,274,278 |
| High net worth individuals | 12 | $17,504,432 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | Fewer than 5 | $10,310 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2021 (5 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CT, NJ, NY, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [toinvest.com](https://toinvest.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $26,549,676 | 2 | June 17, 2021 |
| October 2022 | $31,613,435 | 2 | March 16, 2022 |
| October 2023 | $28,930,000 | 2 | April 4, 2023 |
| October 2024 | $25,252,176 | 2 | March 7, 2024 |
| October 2025 | $26,734,711 | 2 | March 6, 2025 |
| October 2026 | $26,789,020 | 1 | March 9, 2026 |

Regulatory assets under management: $26,549,676 in the October 2021 data and $26,789,020 in the October 2026 data, up 1%.
Total employees: 2 in October 2021 and 1 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 2 to 1.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Karagosian Financial Services, Inc (CRD 124532): Form ADV filing data as of October 2026.