9AT: ST. BERNARD FINANCIAL SERVICES, INC.

ST. BERNARD FINANCIAL SERVICES, INC.

ST. BERNARD FINANCIAL SERVICES, INC.

BANKS AND BROWN FINANCIAL ADVISORS

WARD FINANCIAL SERVICES

TURNER FINANCIAL

TULSATAXDEPOT.COM

ST BERNARD FINANCIAL SERVICES, INC.

SOUTH TEXAS WEALTH

SCHERSHELWEALTH.COM

PULLEN FINANCIAL

MFCENTER.COM

KESSLER FINANCIAL

INTEGRATED FINANCIAL SOLUTIONS OF KANSAS CITY

BISHOP INSURANCE

Adviser Profile

As of Date	05/05/2026
Registration	SEC, Approved, 07/31/2018
Other registrations (14)	Arkansas, Terminated, 11/01/2018 Connecticut, Terminated, 08/21/2018 Washington, Terminated, 08/09/2018 Indiana, Terminated, 08/03/2018 North Carolina, Terminated, 08/03/2018 Florida, Terminated, 08/02/2018 Louisiana, Terminated, 08/02/2018 Minnesota, Terminated, 08/02/2018 Missouri, Terminated, 08/02/2018 New York, Terminated, 08/02/2018 Oklahoma, Terminated, 08/02/2018 Texas, Terminated, 08/02/2018 Virginia, Terminated, 08/02/2018 Illinois, Terminated, 07/31/2018
ADV Location	RUSSELLVILLE, AR, United States
Contact Info	479 xxxxxxx
Websites

AUM^*	136,237,104 6%
of that, discretionary	0
Number of Employees	117 5%
of those in investment advisory functions	30
Private Fund GAV^*	0
Avg Account Size	170,723 12%
% High Net Worth	1.50% 5%
SMA’s	Yes
Private Funds	0

Adviser Type

- Large advisory firm
- Related adviser
- Multi-state adviser

Client Types

- Individuals (other than high net worth individuals)
- High net worth individuals

Advisory Activities

- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses
- Educational seminars/workshops

Compensation Arrangments

- A percentage of assets under your management
- Hourly charges

Reported AUM

133M 114M 95M 76M 57M 38M 19M

2018 2019 2020 2021 2022 2023 2024 2025

Discretionary

Non-discretionary

Private Funds

No private funds

Employees

Brochure Summary

Overview

Firm Description St. Bernard Financial Services, Inc., in addition to being a registered Broker/Dealer, is a fee-based financial advisory firm providing investment advisory services to individuals and small businesses. Founded in 1994, St Bernard is registered as a broker/dealer with the United States Securities and Exchange Commission, The Financial Industry Regulatory Authority (FINRA), the Municipal Securities Rulemaking Board (MSRB), The Securities Investor Protection Corporation (SIPC) and the various states in which we do business. We are registered as an Investment Advisory firm with the United States Securities and Exchange Commission. St Bernard has been registered and provided its broker/dealer and advisory services since its founding. St Bernard provides portfolio management for individuals, small business, and institutional clients other than investment companies. This service includes the design of portfolios and the implementation of them by the purchase and sale of: (1) registered securities, (2) annuities, and (3) life insurance. Clients may impose restrictions as to the amount of a certain security or type of security. The portfolio will be designed by the advisor in collaboration with St Bernard. Portfolio design is offered to all clients and there is no minimum account size for this service. There is no charge for portfolio design. St Bernard does not participate in wrap fee accounts. While many of our services are provided totally within St. Bernard, we also work with other firms to provide some services. As a St. Bernard Registered Investment Advisory

client, you will get objective advice without product sales bias or pressure. When we recommend changes in your financial strategy, we take the time to make sure you understand the potential rewards and risks and how those changes will help you achieve your goals. Most importantly, a professional team with uncompromising ethics who believe in a client-oriented, performance-driven approach will support you. Firm CEO and Registered Principal Robert Keenan, MBA - Active in financial services since 1987, Mr. Keenan is the founder and CEO of St. Bernard Financial Services, Inc. He has managed both retail securities firms and bank related securities firms. He trained at American Express Financial Advisors and worked for Washington Square Securities before founding St. Bernard Financial Services, Inc. in 1994. He holds a Bachelor Degree in Business Administration from the University of Arkansas in Fayetteville and a Master of Business Administration from the University of Central Arkansas in Conway. Born in 1951, he is a past board member of the WestArk Area Council of the Boy Scouts of America, the Tri- County Regional Water Distribution District, Main Street Russellville, the Russellville Airport Commission, and the Arkansas Valley Bank. He has served as a Small Firm Representative on FINRA's Board of Governors and has served a term on FINRA's Regional Committee in addition to serving as a Hearing Officer on several disciplinary hearings for FINRA. Managed Assets As of December 31, 2023, St. Bernard Financial Services, Inc. managed approximately $129 million in assets.