# Thayer Financial, L.L.C.

> Thayer Financial, L.L.C. is an SEC-registered investment advisory firm in Hickory, NC, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 18, 2026.

- CRD: 304729
- Filed as: THAYER FINANCIAL, L.L.C.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Hickory, NC
- Filing period: October 2026
- Form ADV filing dated: February 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/304729
- AdvisorCensus page: https://advisorcensus.com/firm/thayer-financial-l-l-c-hickory-nc-304729

## Quick answers

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

**How much does Thayer Financial, L.L.C. charge?**
Its Form ADV Part 2A brochure dated February 18, 2026 states: Hourly rate: $400 an hour (project-based financial planning services); Flat fee: $400 to $30,000 (project-based financial planning services); Flat fee: $600 (live, 90-minute focused financial planning session); Flat fee: $1,500 to $5,000 (one-time pension consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Thayer Financial, L.L.C. located?**
Thayer Financial, L.L.C.'s principal office is in Hickory, NC, according to its Form ADV.

**Is Thayer Financial, L.L.C. registered with the SEC or a state?**
Thayer Financial, L.L.C. is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 304729.

**How much does Thayer Financial, L.L.C. manage?**
Thayer Financial, L.L.C. reports $106,449,059 in regulatory assets under management in its Form ADV filing dated February 18, 2026 (100% discretionary).

**What types of clients does Thayer Financial, L.L.C. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (72); high net worth individuals (45); pension and profit sharing plans (but not the plan participants or government pension plans) (8).

**Which custodians does Thayer Financial, L.L.C. use?**
Thayer Financial, L.L.C.'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 Thayer Financial, L.L.C. 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/304729

**Does Thayer Financial, L.L.C. state an account minimum?**
Its Form ADV Part 2A brochure dated February 18, 2026 says: "Adviser does not require a minimum account value to open or maintain an account; however, we do charge minimum annual fees as described in Item 5, above."

**What changed in Thayer Financial, L.L.C.'s recent Form ADV filings?**
In the February 2026 filing data: Newly registered with the SEC.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated February 18, 2026)

- Account minimum: None

> Adviser does not require a minimum account value to open or maintain an account; however, we do charge minimum annual fees as described in Item 5, above.

- Hourly rate: $400 an hour (project-based financial planning services)

> In consideration of its project-based financial planning services, Adviser charges pursuant to either (i) an hourly rate of $400 per hour

- Flat fee: $400 to $30,000 (project-based financial planning services)

> a one-time flat fee that typically ranges from $400 to $30,000 based on the nature, complexity, and scope of the financial planning services

- Flat fee: $600 (live, 90-minute focused financial planning session)

> a one-time, live, 90-minute focused financial planning session that is typically $600.

- Flat fee: $1,500 to $5,000 (one-time pension consulting services)

> The flat fee for this service typically ranges from $1,500 to $5,000, half of which is due upon engagement with the balance due upon the completion of services rendered.

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: $106,449,059
- Discretionary: $106,449,059
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 72 | $29,347,075 |
| High net worth individuals | 45 | $71,974,931 |
| 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) | 8 | $4,948,858 |
| Charitable organizations | Fewer than 5 | $178,195 |
| 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)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Educational seminars/workshops

### Firm details
- Registered since: 2026 (0 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NC, TN, TX, WV
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [thayerfinancial.com](https://thayerfinancial.com)
- Facebook @thayerfinancial
- LinkedIn @thayer-financial-llc
- LinkedIn @deaton-smith-cfp
- YouTube @thayerfinancial5576

## Changes in the filing (last 12 months)

### February 2026
- Newly registered with the SEC.

### January 2026
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Thayer Financial, L.L.C. (CRD 304729): Form ADV filing data as of October 2026.