# ST. Bernard Financial Services, Inc.

> 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.

- CRD: 36956
- Filed as: ST. BERNARD FINANCIAL SERVICES, INC.
- Also doing business as: BANKS AND BROWN FINANCIAL ADVISORS, KESSLER FINANCIAL, MFCENTER.COM, SOUTH TEXAS WEALTH, ST BERNARD FINANCIAL SERVICES, INC., TULSATAXDEPOT.COM, TURNER FINANCIAL, WARD FINANCIAL SERVICES
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Russellville, AR
- Filing period: October 2026
- Form ADV filing dated: May 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/36956
- AdvisorCensus page: https://advisorcensus.com/firm/st-bernard-financial-services-inc-russellville-ar-36956

## Quick answers

**How is ST. Bernard Financial Services, Inc. compensated?**
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.

**How much does ST. Bernard Financial Services, Inc. charge?**
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.

**Where is ST. Bernard Financial Services, Inc. located?**
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).

**Is ST. Bernard Financial Services, Inc. registered with the SEC or a state?**
ST. Bernard Financial Services, Inc. is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 36956.

**How much does ST. Bernard Financial Services, Inc. manage?**
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).

**How have ST. Bernard Financial Services, Inc.'s assets and staff changed since 2021?**
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.

**What types of clients does ST. Bernard Financial Services, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (786); high net worth individuals (12).

**Does ST. Bernard Financial Services, Inc. report any disciplinary disclosures?**
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

**Does ST. Bernard Financial Services, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated May 5, 2026 says: "There is no minimum account size to open an account."

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated May 5, 2026)

- Account minimum: None

> There is no minimum account size to open an account.

- Hourly rate: $125 an hour (fees or future consultations)

> 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.

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

### Regulatory assets under management (Item 5.F)
- Total: $136,237,104
- Discretionary: $0
- Non-discretionary: $136,237,104

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 786 | $100,782,104 |
| High net worth individuals | 12 | $35,455,000 |
| Banking or thrift institutions | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | Not reported |

### Advisory services (Item 5.G)
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Educational seminars/workshops

### Firm details
- Registered since: 2018 (8 years)
- Employees: 117 total, 30 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: 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
- Disclosures (Item 11): Reports 6 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.D(1): 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?
- 11.D(2): 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?
- 11.D(3): 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?
- 11.D(4): 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?
- 11.D(5): 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?
- 11.E(2): 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?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/36956

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Broken Arrow, OK
- Ft Lauderdale, FL
- Jonesboro, AR
- Maplewood, MN
- Riverdale, GA
- Rogers, AR
- San Antonio, TX
- St Louis, MO
- Tucson, AZ
- Tulsa, OK
- Vernon, CT
- West Jordan, UT
- Westfield, MA
- Woodland Hills, CA

### Websites listed on Form ADV (Item 1.I)
- banksandbrown.com
- kesslerfinancial.com
- mfcenter.com
- southtexaswealth.com
- stbernardfinancial.com
- turnerfinancial.net
- wfswealthmanagement.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $121,065,225 | 135 | September 28, 2021 |
| October 2022 | $133,005,603 | 135 | February 11, 2022 |
| October 2023 | $104,471,527 | 117 | June 27, 2023 |
| October 2024 | $128,723,270 | 111 | May 1, 2024 |
| October 2025 | $130,472,570 | 109 | January 29, 2025 |
| October 2026 | $136,237,104 | 117 | May 5, 2026 |

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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. ST. Bernard Financial Services, Inc. (CRD 36956): Form ADV filing data as of October 2026.