{
  "crd_number": 168600,
  "slug": "360-financial-wayzata-mn-168600",
  "primary_business_name": "360 FINANCIAL",
  "legal_name": "360 FINANCIAL, INC.",
  "dbas": [],
  "city": "Wayzata",
  "state": "MN",
  "country": "United States",
  "cbsa_code": "33460",
  "metro": {
    "cbsa_code": "33460",
    "common_name": "Minneapolis",
    "msa_name": "Minneapolis-St. Paul-Bloomington, MN-WI",
    "path": "/advisors/mn/minneapolis"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2013-08-30",
  "years_registered": 13,
  "period": "2026-10-01",
  "filing_date": "2026-05-12",
  "carried_forward": false,
  "raum_total": 700535009.0,
  "raum_discretionary": 636464548.0,
  "raum_non_discretionary": 64070461.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 16,
  "advisory_employees": 10,
  "client_count_bucket": "fewer_than_5_in_some_types",
  "clients_by_type": {
    "charitable": {
      "raum": 4795737.0,
      "count": 3,
      "fewer_than_5": true
    },
    "individuals": {
      "raum": 150986153.0,
      "count": 756
    },
    "pension_profit_sharing": {
      "raum": 1708789.0,
      "count": 1,
      "fewer_than_5": true
    },
    "high_net_worth_individuals": {
      "raum": 463991141.0,
      "count": 421
    },
    "corporations_other_businesses": {
      "raum": 79053189.0,
      "count": 25
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "portfolio_management_businesses_institutional",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 4,
  "states_registered": [
    "AZ",
    "CA",
    "FL",
    "IA",
    "IL",
    "LA",
    "MA",
    "MN",
    "NE",
    "NY",
    "OR",
    "TX",
    "WI"
  ],
  "websites": [
    "https://360financial.net",
    "https://facebook.com/360FINANCIALMN",
    "https://linkedin.com/COMPANY/360-FINANCIAL",
    "https://twitter.com/360FINANCIALMN?LANG=EN",
    "https://youtube.com/USER/360FINANCIALINC"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/168600",
  "disclosure_items": [
    {
      "item": "11.C(1)",
      "question": "Has the SEC or the CFTC ever found that the firm or an advisory affiliate made a false statement or omission?"
    },
    {
      "item": "11.C(2)",
      "question": "Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?"
    },
    {
      "item": "11.C(4)",
      "question": "Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?"
    },
    {
      "item": "11.C(5)",
      "question": "Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?"
    }
  ],
  "city_as_filed": "WAYZATA",
  "url": "https://advisorcensus.com/firm/360-financial-wayzata-mn-168600",
  "display_name": "360 Financial",
  "summary": "360 Financial is an SEC-registered investment advisory firm in Wayzata, MN, registered since 2013, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated May 12, 2026.",
  "citation": "AdvisorCensus. 360 Financial (CRD 168600): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Portfolio management for businesses (other than small businesses) or institutional clients",
    "Pension consulting services",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is 360 Financial compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), 360 Financial reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does 360 Financial charge?",
      "a": "Its Form ADV Part 2A brochure dated March 11, 2026 states: Hourly rate: $325 an hour (financial planning and consulting services); Flat fee: $600 to $20,000 (financial planning); Hourly rate: $325 an hour (pension consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is 360 Financial located?",
      "a": "360 Financial's principal office is in Wayzata, MN, according to its Form ADV; the June 2026 filing also lists 2 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is 360 Financial registered with the SEC or a state?",
      "a": "360 Financial is an SEC-registered investment advisory firm, registered since 2013. Status as filed: Approved. CRD 168600."
    },
    {
      "q": "How much does 360 Financial manage?",
      "a": "360 Financial reports $700,535,009 in regulatory assets under management in its Form ADV filing dated May 12, 2026 (91% discretionary)."
    },
    {
      "q": "How have 360 Financial's assets and staff changed since 2021?",
      "a": "In the Form ADV data for 360 Financial: Regulatory assets under management: $345,750,351 in the October 2021 data and $700,535,009 in the October 2026 data, up 103%. Total employees: 12 in October 2021 and 16 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does 360 Financial serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (756); high net worth individuals (421); corporations or other businesses not listed above (25)."
    },
    {
      "q": "Which custodians does 360 Financial use?",
      "a": "360 Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does 360 Financial report any disciplinary disclosures?",
      "a": "Reports 4 disclosure items on Form ADV Item 11: yes answers to 11.C(1) (SEC or CFTC finding of a false statement or omission), 11.C(2) (SEC or CFTC finding of a violation), 11.C(4) (SEC or CFTC order), and 11.C(5) (SEC or CFTC civil money penalty or cease-and-desist order). 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/168600"
    },
    {
      "q": "What changed in 360 Financial's recent Form ADV filings?",
      "a": "In the June 2026 filing data: Employees performing advisory functions went from 9 to 10."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 345750351.0,
      "total_employees": 12,
      "filing_date": "2021-03-08"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 420716920.0,
      "total_employees": 16,
      "filing_date": "2022-08-31"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 420597493.0,
      "total_employees": 17,
      "filing_date": "2023-08-16"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 475415237.0,
      "total_employees": 17,
      "filing_date": "2024-07-30"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 567566550.0,
      "total_employees": 14,
      "filing_date": "2025-03-20"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 700535009.0,
      "total_employees": 16,
      "filing_date": "2026-05-12"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-06-01",
      "period_label": "June 2026",
      "notes": [
        "Employees performing advisory functions went from 9 to 10."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Employees performing advisory functions went from 5 to 9.",
        "Regulatory assets under management went from $567,566,550 to $700,535,009 (+23%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 11, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $325 an hour (financial planning and consulting services)",
      "Flat fee: $600 to $20,000 (financial planning)",
      "Hourly rate: $325 an hour (pension consulting services)"
    ],
    "figures": [
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $325 an hour (financial planning and consulting services)"
        ],
        "quotes": [
          "We charge on an hourly fee basis for financial planning and consult ing services. ... Our hourly fee is $325."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $600 to $20,000 (financial planning)"
        ],
        "quotes": [
          "360 Financial charges a fixed fee for financial planning between $600 and $20,000."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $325 an hour (pension consulting services)"
        ],
        "quotes": [
          "We charge on an hourly fee basis for pension consulting services. ... Our hourly fee is $325."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 325.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "financial planning and consulting services"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 600.0,
          "max": 20000.0,
          "period": "one_time",
          "service": "financial planning"
        },
        {
          "kind": "hourly",
          "amount": 325.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "pension consulting services"
        }
      ]
    },
    "quotes": [
      "We charge on an hourly fee basis for financial planning and consult ing services. ... Our hourly fee is $325.",
      "360 Financial charges a fixed fee for financial planning between $600 and $20,000.",
      "We charge on an hourly fee basis for pension consulting services. ... Our hourly fee is $325."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "LPL Financial LLC",
      "name_as_filed": "LPL FINANCIAL LLC",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/360-financial-wayzata-mn-168600.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 756,
      "fewer_than_5": false,
      "raum": 150986153.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 421,
      "fewer_than_5": false,
      "raum": 463991141.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 1,
      "fewer_than_5": true,
      "raum": 1708789.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 3,
      "fewer_than_5": true,
      "raum": 4795737.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 25,
      "fewer_than_5": false,
      "raum": 79053189.0
    }
  ],
  "disclosure_line": "Reports 4 disclosure items on Form ADV Item 11.",
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/168600",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}