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SEC-registered adviser

C••••••• A•••• M••••••••• L•••••

Independent wealth managerAnn Arbor, MichiganCRD 124174SEC 801-62115websiteIAPD
Latest filing Mar 12, 2026
First filing on the tape Mar 23, 2012 · 23 filings
SEC status approved since Jun 12, 2003
RAUM
$1.2B
reported, Item 5.F
Discretionary
92%
of RAUM
Private clients
85%
$1.0B individuals and HNW
Advisors
5
registered through the firm on IAPD
RAUM per advisor
$240M
derived; firm RAUM over IAPD count
Employees
7
6 advisory (5.B.1)
Offices
0
beyond the principal office
Private funds
0
reported on Schedule D
History
23 filings and snapshots on the tape
RAUM$1.2B as of Mar 12, 2026
Mar 23, 2012$298M then
HNW client RAUM$955M as of Mar 12, 2026
Mar 29, 2018$455M then
State-registered IARs (5.B.3)5 as of Mar 12, 2026
Mar 23, 20120 then
Employees (5.A)7 as of Mar 12, 2026
Apr 1, 20133 then
Private funds: no history
RAUM +14% over the last fiscal year+15% a year over threeIARs 4 to 5
Practice profile
derived from the filing of Mar 12, 2026; every figure names its basis
Archetypes, each a printed rule
  • Independent boutique · a wealth manager with no broker-dealer, bank or insurance affiliate, 2 to 25 advisors, one to three offices, no public reporting company control
RAUM per advisor
$240MderivedRAUM over IAPD advisors; not a book size
Clients per advisor
82derivedindividual and HNW clients (5.D) over advisors
Average HNW client
$4.5MderivedHNW RAUM over HNW clients
Average account
$926,647derivedRAUM over accounts (5.F.2.f)
Discretionary
92%derivedof RAUM
Institutional
15%derivedpensions, charities, corporations, government, insurance, banks, other advisers
Employees per advisor
1.4derivedItem 5.A over advisors
Advisors per office
5.0derived1 offices incl. principal (1.F.5)
RAUM growth, one year
+14%derivedbetween the last two annual amendments
Advisor growth, one year
+25%derivedItem 5.B.3 between annual amendments
Client growth, one year
+1.7%derived
Compensation
percentage of assets, hourly, fixed feesreportedItem 5.E
Advisory activities
financial planning, portfolio management for individualsreportedItem 5.G
Ownership
no PE, bank or public-company owner found on Schedule Aderived
Advisor book size
not public; not estimatedreported
Also answered yes on Form ADV
  • buys or sells securities as principal to or from clients (8.A.2)
  • has discretionary authority over which securities are bought or sold (8.C.1)
  • marketing includes hypothetical performance (5.L.3)
Where the RAUM sits
Form ADV Item 5.D, latest filing
  • High-net-worth individuals$955M80%
  • Charitable organizations$180M15%
  • Individuals$65.7M5.5%
Individual clients
201reported
HNW clients
210reported
Pension plan clients
0reported
Charitable clients
20reported
Accounts
1,295reported
Financial planning clients
251-500reported
Wrap fee programs
noreported
Custody of client assets
noreported
Compensation
% of AUM, fixed, hourlyreported
Class basis
private_client_share=0.85 fund_share=0.0 institutional_share=0.15 related_bd=false related_bank=false bd_reps=0.0derived
Advisors registered through the firm
5 on IAPD today, longest tenure first
NameBranchHere sinceIn industryPrior firms
B•••• H••••••• W••••••Certified Financial PlannerAnn Arbor, MiSep 14, 201028 y0
L•••• M•••••••• M••••••Ann Arbor, MiApr 4, 201621 y0
C••••••• N••••• S••••Ann Arbor, Mi May 15, 20188 y0
K••• L••• S•••••••Ann Arbor, MiJun 26, 202019 y0
C•••• H•••• L••••Ann Arbor, MiJan 6, 202611 y0
Advisor movement
0 left, 0 joined in 12 months
net 0 in 12 months0 left in 90 days0 joined in 90 daysdeparture rate 0.0% of current headcount1 left over 36 months
Joined, latest
none on the tape
    Private funds
    No private fund reported.
    Owners and control persons
    Schedule A and B, latest filing
    • H••••• J••••••• R••• · Chief Compliance Officercontrol
      since 03/2026 · owns less than 5%
    • W••••••• B••••• H••••••• · Presidentcontrol
      since 12/1997 · owns 75% or more
    • M••••••• L••••• M•••••••• · Chief Compliance Officer
      since 09/2005 · owns less than 5%
    Related persons
    Schedule D 7.A
    No related person reported.
    Office movement
    IAPD branch city; joins and departures in 12 months
    OfficeAdvisorsJoinedLeftTeams outForming
    Ann Arbor, Mi · principal510
    Offices
    Schedule D 1.F, the 25 largest
    No branch office listed.
    ADV anomalies
    1 against comparable advisers; where to look, not conclusions
    • control person changedChange between filings · filing Mar 12, 2026
      H••••• J••••••• R••• (CHIEF COMPLIANCE OFFICER) appeared on Schedule A between the filings of 2012-03-23 and 2026-03-12
      peers: independent wealth managers, $1B to $5B (1,362)
    What changed
    consecutive filings, newest first
    • Accounts · 1,327 to 1,295
      Apr 8, 2025 to Mar 12, 2026
    • Advisory employees · 4 to 6
      Apr 8, 2025 to Mar 12, 2026
    • HNW clients · 205 to 210
      Apr 8, 2025 to Mar 12, 2026
    • Individual clients · 199 to 201
      Apr 8, 2025 to Mar 12, 2026
    • Employees · 6 to 7
      Apr 8, 2025 to Mar 12, 2026
    • State-registered IARs · 4 to 5
      Apr 8, 2025 to Mar 12, 2026
    • Discretionary RAUM · $979M to $1.1B
      Apr 8, 2025 to Mar 12, 2026
    • HNW RAUM · $850M to $955M
      Apr 8, 2025 to Mar 12, 2026
    • Individual RAUM · $64.2M to $65.7M
      Apr 8, 2025 to Mar 12, 2026
    • Non-discretionary RAUM · $71.7M to $96.2M
      Apr 8, 2025 to Mar 12, 2026
    • RAUM · $1.1B to $1.2B
      Apr 8, 2025 to Mar 12, 2026
    • Accounts · 1,324 to 1,327
      May 23, 2024 to Apr 8, 2025
    • Advisory employees · 5 to 4
      May 23, 2024 to Apr 8, 2025
    • Charity clients · 21 to 20
      May 23, 2024 to Apr 8, 2025
    • HNW clients · 207 to 205
      May 23, 2024 to Apr 8, 2025
    • Individual clients · 198 to 199
      May 23, 2024 to Apr 8, 2025
    • Employees · 7 to 6
      May 23, 2024 to Apr 8, 2025
    • Financial planning clients · 251-500 to 251-500
      May 23, 2024 to Apr 8, 2025
    • State-registered IARs · 5 to 4
      May 23, 2024 to Apr 8, 2025
    • Discretionary RAUM · $911M to $979M
      May 23, 2024 to Apr 8, 2025
    • HNW RAUM · $798M to $850M
      May 23, 2024 to Apr 8, 2025
    • Individual RAUM · $63.1M to $64.2M
      May 23, 2024 to Apr 8, 2025
    • Non-discretionary RAUM · $69.3M to $71.7M
      May 23, 2024 to Apr 8, 2025
    • RAUM · $980M to $1.1B
      May 23, 2024 to Apr 8, 2025
    • Corporate clients · unset to 0.0
      Mar 18, 2024 to May 21, 2024
    • Pension plan clients · unset to 0.0
      Mar 18, 2024 to May 21, 2024
    • Pooled vehicle clients · unset to 0.0
      Mar 18, 2024 to May 21, 2024
    • Pension RAUM · unset to 0.0
      Mar 18, 2024 to May 21, 2024
    • Pooled vehicle RAUM · unset to 0.0
      Mar 18, 2024 to May 21, 2024
    • Accounts · 1,176 to 1,324
      Apr 6, 2023 to Mar 18, 2024
    • Charity clients · 16 to 21
      Apr 6, 2023 to Mar 18, 2024
    • HNW clients · 152 to 207
      Apr 6, 2023 to Mar 18, 2024
    • Individual clients · 208 to 198
      Apr 6, 2023 to Mar 18, 2024
    • Employees · 6 to 7
      Apr 6, 2023 to Mar 18, 2024
    • Discretionary RAUM · $731M to $911M
      Apr 6, 2023 to Mar 18, 2024
    • HNW RAUM · $619M to $798M
      Apr 6, 2023 to Mar 18, 2024
    • Individual RAUM · $70.9M to $63.1M
      Apr 6, 2023 to Mar 18, 2024
    • Non-discretionary RAUM · $63.5M to $69.3M
      Apr 6, 2023 to Mar 18, 2024
    • RAUM · $795M to $980M
      Apr 6, 2023 to Mar 18, 2024
    • Accounts · 1,125 to 1,176
      Mar 30, 2022 to Apr 6, 2023
    Signals
    1 dated events
    • C•••••• J• C••• left C••••••• A•••• M••••••••• L••••• for C•••••••• F•••••••• G•••• L•• (registered 2024-12-05)
      Dec 16, 2024 · Advisor changed firm · fact
    Across DFX
    shared identifiers only, never a name match
    No identifier-backed link to the venture, private equity, family office or sponsor graphs.
    How to reach
    public business contact points only, each with its source
    Business email
    i•••@c•••••••••.comreportedpublished by the firm, firm site, Sep 15, 2026
    Business phone
    734-665-1455reportedpublished by the firm, firm site, Sep 15, 2026
    Website
    C•••••••ASSET.COMreportedpublic record, Form ADV, Sep 21, 2026
    Principal office phone
    734-665-1455reportedpublic record, Form ADV, Mar 12, 2026
    Contact form
    c•••••••••.comreportedpublished by the firm, firm site, Sep 15, 2026
    Team page
    c•••••••••.comreportedpublished by the firm, firm site, Sep 15, 2026
    Provenance
    Form ADV
    SEC filing data 2011 to 2024 and the monthly roster 2025 onreportedadviserinfo.sec.gov
    Advisors
    IAPD individual compilation feed, dailyreportedadviserinfo.sec.gov
    Class
    Independent wealth managerderiveda rule over Items 5.D and 7.A
    RAUM per advisor
    $240Mderivedfirm RAUM over the IAPD count; not a book size
    Loaded
    Sep 14, 2026