B
BIY Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$7,723,000
Total clients
30
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
30
Average account size
$257,433
About
The firm provides discretionary asset management, financial consulting, a structured financial wellness program, and ERISA retirement-plan services to individuals, high‑net‑worth clients, trusts, business owners and plan sponsors. It operates as a single‑advisor independent RIA, managing roughly $7.7 million for about 30 clients and generally tailors engagements to client goals, time horizons and risk tolerance.
Portfolio management is implemented on a discretionary basis and may draw on fundamental and technical analysis as well as modern portfolio theory; the firm also offers a mutual‑fund–only program through American Funds. For retirement plans the firm serves as a limited‑scope ERISA 3(21) advisor, assisting with IPS development, plan monitoring, selection of investment options and participant education while excluding certain asset types (e.g., employer securities and private placements).
A distinctive aspect of the firm is that the principal maintains a licensed insurance practice and spends a majority of time on insurance activities, offering insurance products for separate compensation — a relationship the brochure discloses and flags as a potential conflict of interest with described mitigation procedures. As a recently formed, small, solo‑advisor firm with no account minimums, it couples pension consulting and a defined financial‑wellness offering with its core discretionary management services.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Wealth management
Retirement plans for business owners (SEP, solo 401k)
Cash flow / budgeting
General estate planning guidance
Fee options
Financial wellness program: negotiable annual fee of $900, billed monthly or quarterly.
All assets+: 1.00% annually
Separate compensation received by insurance agent for insurance product sales.
$250 per hour for financial consulting, fees negotiable.
Main office location
BIY Financial, LLC
Jefferson City MO, United States
Number of offices
1
Most active in
BIY Financial, LLC has reported serving >5 clients in these states in the last 12 months.
Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")