# Ryan Kruger

> Ryan Kruger is a fee-only financial advisor at 10elms in Tulsa, Oklahoma, who holds the CFA credential. 10elms reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ryan-kruger/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** 10elms
- **Based in:** Tulsa, Oklahoma
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $120.6M across 182 accounts
- **Credentials:** CFA
- **CRD:** 5425820 (https://adviserinfo.sec.gov/individual/summary/5425820)
- **SEC registration:** Investment adviser representative in OK, TX
- **Exams passed:** Series 66 (2008)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** https://10elms.com/

## Frequently asked questions

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

Yes, according to SEC records as of October 29, 2026: Ryan holds no broker registration, and 10elms 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's firm, 10elms, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Ryan Kruger based?

Ryan Kruger is based in Tulsa, Oklahoma.

### What credentials does Ryan Kruger hold?

Ryan Kruger holds the CFA credential.

### Is Ryan Kruger registered with the SEC?

Yes. Ryan Kruger is registered as an investment adviser representative in OK and TX (CRD 5425820), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does 10elms manage?

10elms reports $120.6M across 182 accounts in assets under management.

### How do I contact Ryan Kruger?

Through Ryan's website, 10elms.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5425820): 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

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