# Senior Financial and Realty Assoc.

> Senior Financial and Realty Assoc. is an SEC-registered investment advisory firm, registered since 2021, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated March 19, 2026.

- CRD: 126404
- Filed as: SENIOR FINANCIAL AND REALTY ASSOC.
- Legal name: Maderer, Keith Daniel
- Also doing business as: SENIOR FINANCIAL AND TAX ASSOC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: March 19, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/126404
- AdvisorCensus page: https://advisorcensus.com/firm/senior-financial-and-realty-assoc-126404

## Quick answers

**How is Senior Financial and Realty Assoc. compensated?**
On its Form ADV (Item 5.E, October 2026), Senior Financial and Realty Assoc. reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does Senior Financial and Realty Assoc. charge?**
Its Form ADV Part 2A brochure dated March 19, 2026 states: Hourly rate: $200 an hour (limited scope of engagement with the client). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Senior Financial and Realty Assoc. registered with the SEC or a state?**
Senior Financial and Realty Assoc. is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 126404.

**How much does Senior Financial and Realty Assoc. manage?**
Senior Financial and Realty Assoc. reports $40,738,385 in regulatory assets under management in its Form ADV filing dated March 19, 2026 (100% discretionary).

**How have Senior Financial and Realty Assoc.'s assets and staff changed since 2021?**
In the Form ADV data for Senior Financial and Realty Assoc.: Regulatory assets under management: $30,971,620 in the October 2021 data and $40,738,385 in the October 2026 data, up 32%. Total employees: 2 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Senior Financial and Realty Assoc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (83); pension and profit sharing plans (but not the plan participants or government pension plans) (4).

**Which custodians does Senior Financial and Realty Assoc. use?**
Senior Financial and Realty Assoc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Senior Financial and Realty Assoc. 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/126404

**What changed in Senior Financial and Realty Assoc.'s recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $34,731,722 to $40,738,385 (+17%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 19, 2026)

- Hourly rate: $200 an hour (limited scope of engagement with the client)

> Hourly Engagement Fees may be used in instances where there will be a limited scope of engagement with the client and are billed at $200/hour.

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

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.

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: $40,738,385
- Discretionary: $40,738,385
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 83 | $37,801,293 |
| High net worth individuals | 0 | Not reported |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 4 | $2,937,092 |
| Charitable organizations | 0 | Not reported |
| State or municipal government entities (including government pension plans) | 0 | Not reported |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 0 | Not reported |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | 0 | Not reported |
| Other | 0 | Not reported |

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

### Firm details
- Registered since: 2021 (5 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: NY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- findfinancialclarity.com
- sftaweb.com
- Facebook @SENIORFINANCIALTAXASSOCIATES
- Instagram @SENIORFINANCIAL
- LinkedIn @SENIOR-FINANCIAL-&-TAX-ASSOCIATES
- X @SFTA_WEB
- YouTube @UCCPLHHGYHZKZF8TUTMPKTNW

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $30,971,620 | 2 | April 16, 2021 |
| October 2022 | $36,261,542 | 2 | March 16, 2022 |
| October 2023 | $28,330,095 | 2 | March 23, 2023 |
| October 2024 | $31,813,102 | 2 | March 22, 2024 |
| October 2025 | $34,731,722 | 2 | February 27, 2025 |
| October 2026 | $40,738,385 | 2 | March 19, 2026 |

Regulatory assets under management: $30,971,620 in the October 2021 data and $40,738,385 in the October 2026 data, up 32%.
Total employees: 2 in October 2021 and 2 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $34,731,722 to $40,738,385 (+17%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Senior Financial and Realty Assoc. (CRD 126404): Form ADV filing data as of October 2026.