{
  "crd_number": 36956,
  "slug": "st-bernard-financial-services-inc-russellville-ar-36956",
  "primary_business_name": "ST. BERNARD FINANCIAL SERVICES, INC.",
  "legal_name": "ST. BERNARD FINANCIAL SERVICES, INC.",
  "dbas": [
    "BANKS AND BROWN FINANCIAL ADVISORS",
    "KESSLER FINANCIAL",
    "MFCENTER.COM",
    "SOUTH TEXAS WEALTH",
    "ST BERNARD FINANCIAL SERVICES, INC.",
    "TULSATAXDEPOT.COM",
    "TURNER FINANCIAL",
    "WARD FINANCIAL SERVICES"
  ],
  "city": "Russellville",
  "state": "AR",
  "country": "United States",
  "cbsa_code": "40780",
  "metro": null,
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2018-07-31",
  "years_registered": 8,
  "period": "2026-10-01",
  "filing_date": "2026-05-05",
  "carried_forward": false,
  "raum_total": 136237104.0,
  "raum_discretionary": 0.0,
  "raum_non_discretionary": 136237104.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 117,
  "advisory_employees": 30,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 100782104.0,
      "count": 786
    },
    "banking_thrift": {
      "raum": null,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": null,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 35455000.0,
      "count": 12
    }
  },
  "compensation_types": [
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 6,
  "states_registered": [
    "AK",
    "AL",
    "AR",
    "AZ",
    "CA",
    "CO",
    "CT",
    "FL",
    "GA",
    "IA",
    "IL",
    "IN",
    "KS",
    "KY",
    "LA",
    "MA",
    "MI",
    "MN",
    "MO",
    "MS",
    "NC",
    "NE",
    "NH",
    "NJ",
    "NM",
    "NV",
    "NY",
    "OH",
    "OK",
    "OR",
    "PA",
    "RI",
    "SC",
    "TN",
    "TX",
    "UT",
    "VA",
    "VT",
    "WA",
    "WI"
  ],
  "websites": [
    "https://banksandbrown.com",
    "https://kesslerfinancial.com",
    "https://mfcenter.com",
    "https://southtexaswealth.com",
    "https://stbernardfinancial.com",
    "https://turnerfinancial.net",
    "https://wfswealthmanagement.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/36956",
  "disclosure_items": [
    {
      "item": "11.D(1)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?"
    },
    {
      "item": "11.D(2)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was involved in a violation of investment-related regulations or statutes?"
    },
    {
      "item": "11.D(3)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate was a cause of an investment-related business having its authorization to do business denied, suspended, revoked, or restricted?"
    },
    {
      "item": "11.D(4)",
      "question": "In the past ten years, has another federal regulator, a state regulator, or a foreign financial regulator entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    },
    {
      "item": "11.D(5)",
      "question": "Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?"
    },
    {
      "item": "11.E(2)",
      "question": "Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?"
    }
  ],
  "city_as_filed": "RUSSELLVILLE",
  "url": "https://advisorcensus.com/firm/st-bernard-financial-services-inc-russellville-ar-36956",
  "display_name": "ST. Bernard Financial Services, Inc.",
  "summary": "ST. Bernard Financial Services, Inc. is an SEC-registered investment advisory firm in Russellville, AR, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 5, 2026.",
  "citation": "AdvisorCensus. ST. Bernard Financial Services, Inc. (CRD 36956): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges"
  ],
  "advisory_activity_labels": [
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is ST. Bernard Financial Services, Inc. compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), ST. Bernard Financial Services, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges."
    },
    {
      "q": "How much does ST. Bernard Financial Services, Inc. charge?",
      "a": "Its Form ADV Part 2A brochure dated May 5, 2026 states: Hourly rate: $125 an hour (fees or future consultations). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is ST. Bernard Financial Services, Inc. located?",
      "a": "ST. Bernard Financial Services, Inc.'s principal office is in Russellville, AR, according to its Form ADV; the June 2026 filing also lists 14 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is ST. Bernard Financial Services, Inc. registered with the SEC or a state?",
      "a": "ST. Bernard Financial Services, Inc. is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 36956."
    },
    {
      "q": "How much does ST. Bernard Financial Services, Inc. manage?",
      "a": "ST. Bernard Financial Services, Inc. reports $136,237,104 in regulatory assets under management in its Form ADV filing dated May 5, 2026 (0% discretionary)."
    },
    {
      "q": "How have ST. Bernard Financial Services, Inc.'s assets and staff changed since 2021?",
      "a": "In the Form ADV data for ST. Bernard Financial Services, Inc.: Regulatory assets under management: $121,065,225 in the October 2021 data and $136,237,104 in the October 2026 data, up 13%. Total employees: 135 in October 2021 and 117 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does ST. Bernard Financial Services, Inc. serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (786); high net worth individuals (12)."
    },
    {
      "q": "Does ST. Bernard Financial Services, Inc. report any disciplinary disclosures?",
      "a": "Reports 6 disclosure items on Form ADV Item 11: yes answers to 11.D(1) (another regulator's finding of a false statement or omission, or of dishonest, unfair, or unethical conduct), 11.D(2) (another regulator's finding of a violation), 11.D(3) (another regulator's finding of causing a business's authorization to be denied, suspended, revoked, or restricted), 11.D(4) (another regulator's order in the past ten years), 11.D(5) (another regulator's denial, suspension, or revocation of a registration or license, bar, or restriction), and 11.E(2) (self-regulatory organization's finding of a rule violation). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/36956"
    },
    {
      "q": "Does ST. Bernard Financial Services, Inc. state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated May 5, 2026 says: \"There is no minimum account size to open an account.\""
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 121065225.0,
      "total_employees": 135,
      "filing_date": "2021-09-28"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 133005603.0,
      "total_employees": 135,
      "filing_date": "2022-02-11"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 104471527.0,
      "total_employees": 117,
      "filing_date": "2023-06-27"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 128723270.0,
      "total_employees": 111,
      "filing_date": "2024-05-01"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 130472570.0,
      "total_employees": 109,
      "filing_date": "2025-01-29"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 136237104.0,
      "total_employees": 117,
      "filing_date": "2026-05-05"
    }
  ],
  "recent_changes": [],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated May 5, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $125 an hour (fees or future consultations)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "There is no minimum account size to open an account."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $125 an hour (fees or future consultations)"
        ],
        "quotes": [
          "Some clients prefer to be charged on a pure time basis. In those cases, fees or future consultations are billed at a rate of $125 per hour, payable at the time of services."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 0.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 125.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "fees or future consultations"
        }
      ]
    },
    "quotes": [
      "There is no minimum account size to open an account.",
      "Some clients prefer to be charged on a pure time basis. In those cases, fees or future consultations are billed at a rate of $125 per hour, payable at the time of services."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [],
  "custodians_note": null,
  "markdown_url": "https://advisorcensus.com/firm/st-bernard-financial-services-inc-russellville-ar-36956.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 786,
      "fewer_than_5": false,
      "raum": 100782104.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 12,
      "fewer_than_5": false,
      "raum": 35455000.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": null
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": null
    }
  ],
  "disclosure_line": "Reports 6 disclosure items on Form ADV Item 11.",
  "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/36956",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}