# 360 Financial

> 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.

- CRD: 168600
- Filed as: 360 FINANCIAL
- Legal name: 360 Financial, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Wayzata, MN
- Filing period: October 2026
- Form ADV filing dated: May 12, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/168600
- AdvisorCensus page: https://advisorcensus.com/firm/360-financial-wayzata-mn-168600

## Quick answers

**How is 360 Financial compensated?**
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).

**How much does 360 Financial charge?**
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). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is 360 Financial located?**
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).

**Is 360 Financial registered with the SEC or a state?**
360 Financial is an SEC-registered investment advisory firm, registered since 2013. Status as filed: Approved. CRD 168600.

**How much does 360 Financial manage?**
360 Financial reports $700,535,009 in regulatory assets under management in its Form ADV filing dated May 12, 2026 (91% discretionary).

**How have 360 Financial's assets and staff changed since 2021?**
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.

**What types of clients does 360 Financial serve?**
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).

**Which custodians does 360 Financial use?**
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.

**Does 360 Financial report any disciplinary disclosures?**
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

**What changed in 360 Financial's recent Form ADV filings?**
In the June 2026 filing data: Employees performing advisory functions went from 9 to 10.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 11, 2026)

- Hourly rate: $325 an hour (financial planning and consulting services)

> We charge on an hourly fee basis for financial planning and consult ing services. ... Our hourly fee is $325.

- Flat fee: $600 to $20,000 (financial planning)

> 360 Financial charges a fixed fee for financial planning between $600 and $20,000.

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

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial 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: $700,535,009
- Discretionary: $636,464,548
- Non-discretionary: $64,070,461

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 756 | $150,986,153 |
| High net worth individuals | 421 | $463,991,141 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $1,708,789 |
| Charitable organizations | 3 | $4,795,737 |
| Corporations or other businesses not listed above | 25 | $79,053,189 |

### Advisory services (Item 5.G)
- 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

### Firm details
- Registered since: 2013 (13 years)
- Employees: 16 total, 10 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, FL, IA, IL, LA, MA, MN, NE, NY, OR, TX, WI
- Disclosures (Item 11): Reports 4 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.C(1): Has the SEC or the CFTC ever found that the firm or an advisory affiliate made a false statement or omission?
- 11.C(2): 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?
- 11.C(4): Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.C(5): 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?

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/168600

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Edina, MN
- Elk River, MN

### Websites listed on Form ADV (Item 1.I)
- 360financial.net
- Facebook @360FINANCIALMN
- LinkedIn @360-FINANCIAL
- X @360FINANCIALMN
- YouTube @360FINANCIALINC

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $345,750,351 | 12 | March 8, 2021 |
| October 2022 | $420,716,920 | 16 | August 31, 2022 |
| October 2023 | $420,597,493 | 17 | August 16, 2023 |
| October 2024 | $475,415,237 | 17 | July 30, 2024 |
| October 2025 | $567,566,550 | 14 | March 20, 2025 |
| October 2026 | $700,535,009 | 16 | May 12, 2026 |

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.

## Changes in the filing (last 12 months)

### June 2026
- Employees performing advisory functions went from 9 to 10.

### April 2026
- Employees performing advisory functions went from 5 to 9.
- Regulatory assets under management went from $567,566,550 to $700,535,009 (+23%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. 360 Financial (CRD 168600): Form ADV filing data as of October 2026.