# SSB&T Wealth Management, LLC

> SSB&T Wealth Management, LLC is an SEC-registered investment advisory firm in Fredericksburg, TX, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 23, 2026.

- CRD: 328102
- Filed as: SSB&T WEALTH MANAGEMENT, LLC
- Also doing business as: SSB&T WEALTH
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Fredericksburg, TX
- Filing period: October 2026
- Form ADV filing dated: February 23, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/328102
- AdvisorCensus page: https://advisorcensus.com/firm/ssb-and-t-wealth-management-llc-fredericksburg-tx-328102

## Quick answers

**How is SSB&T Wealth Management, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), SSB&T Wealth Management, LLC reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees).

**How much does SSB&T Wealth Management, LLC charge?**
Its Form ADV Part 2A brochure dated February 23, 2026 states: Flat fee: $750 a quarter (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is SSB&T Wealth Management, LLC located?**
SSB&T Wealth Management, LLC's principal office is in Fredericksburg, TX, according to its Form ADV; the March 2026 filing also lists 2 other offices (Schedule D, Section 1.F).

**Is SSB&T Wealth Management, LLC registered with the SEC or a state?**
SSB&T Wealth Management, LLC is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 328102.

**How much does SSB&T Wealth Management, LLC manage?**
SSB&T Wealth Management, LLC reports $445,050,258 in regulatory assets under management in its Form ADV filing dated February 23, 2026 (92% discretionary).

**How have SSB&T Wealth Management, LLC's assets and staff changed since 2023?**
In the Form ADV data for SSB&T Wealth Management, LLC: Regulatory assets under management: $35,407,223 in the October 2024 data and $445,050,258 in the October 2026 data, up 1157%. Total employees: 2 in October 2023 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does SSB&T Wealth Management, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (115); high net worth individuals (42); corporations or other businesses not listed above (5).

**Does SSB&T Wealth Management, LLC 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/328102

**Does SSB&T Wealth Management, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated February 23, 2026 says: "The Firm typically require s a minimum asset level of $100,000 for an account to be opened, invested and maintained at our firm."

**What changed in SSB&T Wealth Management, LLC's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $131,038,703 to $445,050,258 (+240%). Employees performing advisory functions went from 1 to 3. Added the business name SSB&T Wealth. Added an office in Kerrville, TX.

## 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 February 23, 2026)

- Account minimum: $100,000

> The Firm typically require s a minimum asset level of $100,000 for an account to be opened, invested and maintained at our firm.

- Flat fee: $750 a quarter (financial planning services)

> The firm will charge a flat fee for financial planning services. ... The minimum quarterly fee is $750 per quarter.

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

### Regulatory assets under management (Item 5.F)
- Total: $445,050,258
- Discretionary: $409,554,574
- Non-discretionary: $35,495,684

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 115 | $34,860,051 |
| High net worth individuals | 42 | $136,380,322 |
| Banking or thrift institutions | 1 | $218,745,426 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $35,495,684 |
| Charitable organizations | 4 | $12,920,077 |
| Corporations or other businesses not listed above | 5 | $6,648,698 |

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

### Firm details
- Registered since: 2023 (3 years)
- Employees: 6 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the March 2026 filing
- Bee Cave, TX
- Kerrville, TX

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

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | Not reported | 2 | September 11, 2023 |
| October 2024 | $35,407,223 | 3 | March 28, 2024 |
| October 2025 | $131,038,703 | 3 | April 7, 2025 |
| October 2026 | $445,050,258 | 6 | February 23, 2026 |

Regulatory assets under management: $35,407,223 in the October 2024 data and $445,050,258 in the October 2026 data, up 1157%.
Total employees: 2 in October 2023 and 6 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $131,038,703 to $445,050,258 (+240%).
- Employees performing advisory functions went from 1 to 3.
- Added the business name SSB&T Wealth.
- Added an office in Kerrville, TX.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. SSB&T Wealth Management, LLC (CRD 328102): Form ADV filing data as of October 2026.