Ern Financial, LLC (Middleton)


Ern Financial, LLC is a large advisory firm based in Middleton. It manages $583.25 million of regulatory assets for 1,571 client accounts. It has been registered with the SEC as an adviser since 2018 and has operated in the jurisdictions of Arizona, Arkansas, California, and 12 other states.

Ern Financial provides financial planning services, portfolio management for individuals and small businesses, pension consulting services, and educational seminars and workshops. It doesn't provide financial planning services to its clients. On top of advisory services, the firm doesn't engage in other business activities.

Ern Financial: assets under management

The assets under management (AUM) of Ern Financial, LLC is $583.25 million. The firm's AUM has grown by 13% since the beginning of its operation, and $1.5 million of the total AUM is attributable to clients outside of the United States.

The firm manages $555.63 million in discretionary accounts and $27.62 million in non-discretionary accounts. On average, the discretionary accounts where all decisions are made on behalf of the client hold $393.78 thousand each. Non-discretionary accounts, where clients actively manage their portfolios, generally hold around $172.63 thousand.

Investments

The firm invests in investment and business development companies the most. They account for 81% of the total AUM. The second-largest asset type is exchange traded securities, which make up 12% of the firm’s portfolio. Investments in cash and cash equivalents form 5% of the total invested assets.

Fees & Commissions

The advisory firm has several streams of revenue. Clients pay Ern Financial, LLC for their services and products based on a percentage of assets under management and hourly charges. Compensation based on assets under management promotes a long-term relationship between a client and the adviser and helps align mutual interests. These fees don’t include brokerage commissions, interest, taxes, and other account expenses.

What kind of clients Eric David Raether serves?

The firm provides services to individuals, high net worth individuals, and state or municipal government entities. The largest group of clients of Eric David Raether is high net worth individuals with 189 clients and $487.49 million of assets under management. Among the 8 most similar advisory firms, Ern Financial has the 4th highest percentage of high net worth individuals out of all clients.

The amount of regulatory assets under management is $583.25 million for 411 clients that can include trusts, estates, and 401(k) plans and IRAs of individuals and their family members. 1% of the firm’s clients are foreign persons or businesses.

Ern Financial doesn't advise any private funds.

Careers at Ern Financial, LLC

The company employs 8 people that are either part- or full-time employees. 63 percent of the employees work as investment advisers or researchers. 5 employees are registered as investment adviser representatives with the state securities authorities.

There isn’t anyone with the role of looking for and bringing in new clients on behalf of the firm. The firm doesn’t compensate employees in addition to the salary for bringing in new clients. Employees don’t receive compensation from other entities for client referrals.

Eric David Raether has been acting as President since 1 May 2018. Scott O Conwell joined the executive team most recently as the Chief Compliance Officer.

Direct owners and executive officers


Name Entity Date acquired Ownership Employer ID
Ernest Patrick Moosherr Chief executive officer 1 May 2018 Other 1698046
Eric David Raether President 1 May 2018 Other 2480237
Inc. Ern Michigan Member 1 May 2018 50% - 75% 83-0961197
Inc. Ern Wisconsin Member 1 May 2018 50% - 75% 83-0973102
Scott O Conwell Chief compliance officer 1 Jun 2018 Other 4238913

Indirect Owners

The SEC currently registers 1 indirect owner.

Name Entity Date acquired Ownership Employer ID
David Michael Muehl Member 1 May 2018 25% - 50% 4375044

Based in Middleton

The principal office where Ern Financial, LLC performs its advisory services is located at 8215 Greenway Boulevard, Middleton, WI 53562, which is also the mailing address of the firm. An additional office of the firm is in Southfield, MI. It doesn’t run an office outside of the United States.

You can reach the main office by calling the phone number 608-662-9018 or by fax 608-646-7796. The normal business hours are 8:00- 4:30 on Monday - Friday. You can find more information about the New York firm at linkedin.com/company/canopy-wealth-management/ and its LinkedIn profile.