{"id":6900,"date":"2025-10-07T14:13:41","date_gmt":"2025-10-07T19:13:41","guid":{"rendered":"https:\/\/schenkelberg.investments\/?p=6900"},"modified":"2025-10-07T14:14:07","modified_gmt":"2025-10-07T19:14:07","slug":"schenkelberg-investments-llc-independent-ria-structure","status":"publish","type":"post","link":"https:\/\/schenkelberg.investments\/?p=6900","title":{"rendered":"Schenkelberg Investments, LLC \u2013 Independent RIA Structure"},"content":{"rendered":"\n<p>Schenkelberg Investments, LLC, is set up as an Independent Registered Investment Advisor (RIA). There are many ways investment and financial advisory services can be offered. Clients can work with financial advisors at banks like Wells Fargo, brokerage firms like Merrill Lynch, insurance companies like Northwestern Mutual, or independent registered investment advisors. Different structures can be a little confusing and often clients are more concerned with the person with whom they are directly working and do not think too much about how the advisor is offering services.<\/p>\n\n\n\n<p>Financial advisors will often choose to work at a bank, brokerage or insurance company for the support these structures can provide the advisor. These businesses could be a good source of client referrals for a new advisor. They also provide compliance, technology, research, marketing and overhead support. A few drawbacks with these firms may be that advisors are locked into products and services offered by these firms, and the larger companies may require a large chunk of earnings for the support they provide.<\/p>\n\n\n\n<p>When I was embarking on a client advisory practice, I explored all of these options. In the end, I chose to set up an Independent RIA because I wanted to offer clients the products and services that I believe give them the best quality and cost efficiency without being tied to proprietary products. Having provided investment research and management for many of these firms in my career, I did not require the investment support that many advisors need. The independent structure also affords me more control of work\/life balance.<\/p>\n\n\n\n<p>Schenkelberg Investments, LLC, is overseen by the Nebraska Department of Banking and Finance. This entity conducts audits on a regular basis to ensure that Independent RIA firms are operating in the best interest of clients (fiduciary standard) and adhering to all pertaining laws. Independent RIAs are required to operate under the fiduciary standard, whereas brokerage firms and insurance companies are not necessarily required to adhere to this standard. Additionally, in order to keep my Chartered Financial Advisor (CFA) designation, I must operate as a fiduciary. Once the firm\u2019s assets surpass $100 million, oversight will move from the state to the Securities and Exchange Commission (SEC).<\/p>\n\n\n\n<p>There is a little more work to handle compliance and other overhead functions; however, having found key partner companies, we have built a comprehensive practice. As an independent RIA we not only have freedom of choice for products and service; we also have freedom of choice to choose partners that are the best fit. The chart below illustrates how the firm works with partners to operate a comprehensive business. In addition to the operational partners below, we have partnered with professionals that we believe offer quality services for Estate Planning, Accounting and Insurance.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"476\" data-attachment-id=\"6901\" data-permalink=\"https:\/\/schenkelberg.investments\/?attachment_id=6901\" data-orig-file=\"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image.png?fit=1130%2C525&amp;ssl=1\" data-orig-size=\"1130,525\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image.png?fit=300%2C139&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image.png?fit=1024%2C476&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image.png?resize=1024%2C476&#038;ssl=1\" alt=\"\" class=\"wp-image-6901\" srcset=\"https:\/\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image-1024x476.png 1024w, https:\/\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image-980x455.png 980w, https:\/\/schenkelberg.investments\/wp-content\/uploads\/2025\/10\/image-480x223.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Schenkelberg Investments, LLC, is set up as an Independent Registered Investment Advisor (RIA). There are many ways investment and financial advisory services can be offered. Clients can work with financial advisors at banks like Wells Fargo, brokerage firms like Merrill Lynch, insurance companies like Northwestern Mutual, or independent registered investment advisors. Different structures can be [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[106],"tags":[],"class_list":["post-6900","post","type-post","status-publish","format-standard","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7kXxe-1Ni","jetpack-related-posts":[{"id":6310,"url":"https:\/\/schenkelberg.investments\/?p=6310","url_meta":{"origin":6900,"position":0},"title":"Financial Advisor Credentials &#8211; What do the Letters Mean?","author":"J.J. Schenkelberg, CFA","date":"April 12, 2019","format":false,"excerpt":"Everyone knows they need to save for the future and that there are opportunities to invest their savings to maximize growth. It is a complex world when seeking someone to help safeguard and grow savings. The \u201cfinancial advisor title\u201d is a very common one among financial planning and investment professionals.\u2026","rel":"","context":"In &quot;Financial Planning&quot;","block_context":{"text":"Financial Planning","link":"https:\/\/schenkelberg.investments\/?cat=122"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":6925,"url":"https:\/\/schenkelberg.investments\/?p=6925","url_meta":{"origin":6900,"position":1},"title":"Schenkelberg Investments Ten Year Anniversary","author":"J.J. Schenkelberg, CFA","date":"April 6, 2026","format":false,"excerpt":"March 17, 2016, Schenkelberg Investments, LLC was officially recognized by the Internal Revenue Service as an official entity. By June of 2016, the Registered Investment Advisory was fully licensed, set up for business with TradePMR and the first accounts were put on the books. If you had told me then\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/schenkelberg.investments\/?cat=106"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2026\/04\/image.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2026\/04\/image.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2026\/04\/image.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":6554,"url":"https:\/\/schenkelberg.investments\/?p=6554","url_meta":{"origin":6900,"position":2},"title":"Five-Year Anniversary","author":"J.J. Schenkelberg, CFA","date":"April 12, 2021","format":false,"excerpt":"Schenkelberg Investments, LLC, is officially five years old in April. In April 2016 the LLC was approved by the state of Nebraska. Following this approval, the Registered Investment Advisory and operations were set up to take on the first client. On May 24, 2016, the first client account transferred. What\u2026","rel":"","context":"In &quot;Financial Planning&quot;","block_context":{"text":"Financial Planning","link":"https:\/\/schenkelberg.investments\/?cat=122"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2021\/04\/AUM-Chart-041221.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2021\/04\/AUM-Chart-041221.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2021\/04\/AUM-Chart-041221.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2021\/04\/AUM-Chart-041221.png?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":6866,"url":"https:\/\/schenkelberg.investments\/?p=6866","url_meta":{"origin":6900,"position":3},"title":"What\u2019s Happening With Schenkelberg Investments?","author":"J.J. Schenkelberg, CFA","date":"April 4, 2025","format":false,"excerpt":"Amy and I are excited for the growth that has occurred at Schenkelberg Investments. Opportunities to help clients meet financial needs and plan for the future continue to present themselves. We are constantly looking for ways we can more effectively and efficiently support families in their financial security and success.\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/04\/image-3.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/04\/image-3.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2025\/04\/image-3.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":6889,"url":"https:\/\/schenkelberg.investments\/?p=6889","url_meta":{"origin":6900,"position":4},"title":"**IMPORTANT INFORMATION FOR ON-LINE USERS AND CLIENTS WITH ELECTRONIC DELIVERY**","author":"J.J. Schenkelberg, CFA","date":"July 11, 2025","format":false,"excerpt":"To more seamlessly maintain electronic delivery and move to the new on-line access site, the following steps must be followed between July 26 to July 31, 2025. If not followed during this time, clients will need to re-enroll for online access and will receive July statements in paper rather than\u2026","rel":"","context":"In &quot;Technology&quot;","block_context":{"text":"Technology","link":"https:\/\/schenkelberg.investments\/?cat=107"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":6593,"url":"https:\/\/schenkelberg.investments\/?p=6593","url_meta":{"origin":6900,"position":5},"title":"Are You Saving Too Much In Your 401k?","author":"J.J. Schenkelberg, CFA","date":"January 12, 2022","format":false,"excerpt":"Before you read too much into this title, I firmly believe you cannot save too much for retirement. Saving early and often is the best path to personal financial freedom for retirement and any other life goals. Figuring out where to save is one of the most important reasons to\u2026","rel":"","context":"In &quot;Market Commentary&quot;","block_context":{"text":"Market Commentary","link":"https:\/\/schenkelberg.investments\/?cat=119"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2022\/01\/Fin-Plan-Chart-011222.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2022\/01\/Fin-Plan-Chart-011222.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/schenkelberg.investments\/wp-content\/uploads\/2022\/01\/Fin-Plan-Chart-011222.png?resize=525%2C300&ssl=1 1.5x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=\/wp\/v2\/posts\/6900","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6900"}],"version-history":[{"count":1,"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=\/wp\/v2\/posts\/6900\/revisions"}],"predecessor-version":[{"id":6902,"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=\/wp\/v2\/posts\/6900\/revisions\/6902"}],"wp:attachment":[{"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6900"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schenkelberg.investments\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}