# 25 Financial

> 25 Financial is an SEC-registered investment advisory firm in Saint Louis, MO, registered since 2022, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated May 19, 2026.

- CRD: 317916
- Filed as: 25 FINANCIAL
- Legal name: 25, LLC
- Also doing business as: T. MOORE FINANCIAL, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Saint Louis, MO
- Filing period: October 2026
- Form ADV filing dated: May 19, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/317916
- AdvisorCensus page: https://advisorcensus.com/firm/25-financial-saint-louis-mo-317916

## Quick answers

**How is 25 Financial compensated?**
On its Form ADV (Item 5.E, October 2026), 25 Financial reports these compensation arrangements: a percentage of assets under its management; fixed fees (other than subscription fees); performance-based fees; other.

**Where is 25 Financial located?**
25 Financial's principal office is in Saint Louis, MO, according to its Form ADV.

**Is 25 Financial registered with the SEC or a state?**
25 Financial is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 317916.

**How much does 25 Financial manage?**
25 Financial reports $545,000,000 in regulatory assets under management in its Form ADV filing dated May 19, 2026 (90% discretionary).

**How have 25 Financial's assets and staff changed since 2022?**
In the Form ADV data for 25 Financial: Regulatory assets under management: $186,969,528 in the October 2022 data and $545,000,000 in the October 2026 data, up 191%. Total employees: 4 in October 2022 and 19 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does 25 Financial serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (255); high net worth individuals (250).

**Which custodians does 25 Financial use?**
25 Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does 25 Financial report any disciplinary disclosures?**
Reports 1 disclosure item on Form ADV Item 11: yes answers to 11.G (pending regulatory proceeding). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/317916

**Does 25 Financial state an account minimum?**
Its Form ADV Part 2A brochure dated February 26, 2026 says: "25, LLC does not require a minimum to open an account."

**What changed in 25 Financial's recent Form ADV filings?**
In the June 2026 filing data: Added the business name T. Moore Financial, LLC.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)
- Performance-based fees
- Other

### Fees and minimums (Form ADV Part 2A brochure dated February 26, 2026)

- Account minimum: None

> 25, LLC does not require a minimum to open an account.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $545,000,000
- Discretionary: $492,000,000
- Non-discretionary: $53,000,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 255 | $66,000,000 |
| High net worth individuals | 250 | $478,500,000 |
| Charitable organizations | Fewer than 5 | $500,000 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2022 (4 years)
- Employees: 19 total, 8 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AK, AZ, CA, CO, FL, GA, IA, IL, KS, LA, MO, NC, NE, NH, NM, NY, OH, OR, PA, TN, TX, VA, WA, WI
- Disclosures (Item 11): Reports 1 disclosure item on Form ADV Item 11.

### Item 11 questions answered yes
- 11.G: Is the firm or an advisory affiliate now the subject of a regulatory proceeding that could result in a yes answer to any part of 11.C, 11.D, or 11.E?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/317916

### Websites listed on Form ADV (Item 1.I)
- 25financial.com
- LinkedIn @25financial
- X @25Financial
- YouTube @UCyJ7ecZbM19p-HClaBCyURA

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $186,969,528 | 4 | September 16, 2022 |
| October 2023 | $304,689,377 | 13 | September 21, 2023 |
| October 2024 | $408,500,000 | 17 | July 22, 2024 |
| October 2025 | $415,000,000 | 21 | April 2, 2025 |
| October 2026 | $545,000,000 | 19 | May 19, 2026 |

Regulatory assets under management: $186,969,528 in the October 2022 data and $545,000,000 in the October 2026 data, up 191%.
Total employees: 4 in October 2022 and 19 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Added the business name T. Moore Financial, LLC.

### February 2026
- Regulatory assets under management went from $415,000,000 to $545,000,000 (+31%).
- Registered or notice-filed in NH.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. 25 Financial (CRD 317916): Form ADV filing data as of October 2026.