# Ryan Coulter

> Ryan Coulter is a fee-only financial advisor at Demming Financial Services in Aurora, Ohio. Ryan charges a percentage of assets, an ongoing planning fee and hourly fees (ongoing planning from $500 a year and 0.85% a year on the first tier of assets managed).

Page: https://find.wellspent.co/advisors/ryan-coulter/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Demming Financial Services
- **Based in:** Aurora, Ohio
- **Fee model:** Percentage of assets; Ongoing planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $500 a year; 0.85% a year on the first tier of assets managed
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $765.9M across 2,607 accounts
- **Works with:** Founders, Executives, Physicians, Retirees, Divorced individuals
- **CRD:** 6792198 (https://adviserinfo.sec.gov/individual/summary/6792198)
- **SEC registration:** Investment adviser representative in OH
- **Exams passed:** Series 66 (2020)
- **Firm size:** 11 employees
- **Disclosures:** None reported
- **Website:** http://www.demmingfinancial.com

## Frequently asked questions

### Is Ryan Coulter a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Ryan holds no broker registration, and Demming Financial Services reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Ryan charge for financial advice?

Ryan charges a percentage of assets, an ongoing planning fee and hourly fees.

### How much does Ryan charge?

According to Demming Financial Services's website, checked October 30, 2026: ongoing planning from $500 a year; 0.85% a year on the first tier of assets managed.

### Where is Ryan Coulter based?

Ryan Coulter is based in Aurora, Ohio.

### Is Ryan Coulter registered with the SEC?

Yes. Ryan Coulter is registered as an investment adviser representative in OH (CRD 6792198), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Demming Financial Services manage?

Demming Financial Services reports $765.9M across 2,607 accounts in assets under management.

### How do I contact Ryan Coulter?

Through Ryan's website, www.demmingfinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6792198): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.demmingfinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.