{
  "crd_number": 288185,
  "slug": "adaptive-financial-consulting-llc-beachwood-oh-288185",
  "primary_business_name": "ADAPTIVE FINANCIAL CONSULTING, LLC",
  "legal_name": "ADAPTIVE FINANCIAL CONSULTING, LLC",
  "dbas": [],
  "city": "Beachwood",
  "state": "OH",
  "country": "United States",
  "cbsa_code": "17410",
  "metro": {
    "cbsa_code": "17410",
    "common_name": "Cleveland",
    "msa_name": "Cleveland, OH",
    "path": "/advisors/oh/cleveland"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2019-04-04",
  "years_registered": 7,
  "period": "2026-10-01",
  "filing_date": "2026-03-05",
  "carried_forward": false,
  "raum_total": 547099663.0,
  "raum_discretionary": 516760645.0,
  "raum_non_discretionary": 30339018.0,
  "raum_band": "500m_1b",
  "raum_band_label": "$500 million to $1 billion",
  "total_employees": 8,
  "advisory_employees": 6,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 48582937.0,
      "count": 93
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 267133523.0,
      "count": 85
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 231383203.0,
      "count": 83
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "educational_seminars",
    "financial_planning",
    "pension_consulting",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "AL",
    "AZ",
    "CA",
    "KY",
    "LA",
    "MA",
    "MO",
    "OH",
    "OK",
    "PA",
    "SC",
    "TX",
    "UT"
  ],
  "websites": [
    "https://adaptivefc.com",
    "https://linkedin.com/adaptivefc"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/288185",
  "city_as_filed": "BEACHWOOD",
  "url": "https://advisorcensus.com/firm/adaptive-financial-consulting-llc-beachwood-oh-288185",
  "display_name": "Adaptive Financial Consulting, LLC",
  "summary": "Adaptive Financial Consulting, LLC is an SEC-registered investment advisory firm in Beachwood, OH, registered since 2019, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 5, 2026.",
  "citation": "AdvisorCensus. Adaptive Financial Consulting, LLC (CRD 288185): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Pension consulting services",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Adaptive Financial Consulting, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Adaptive Financial Consulting, LLC reports these compensation arrangements: a percentage of assets under its management."
    },
    {
      "q": "Where is Adaptive Financial Consulting, LLC located?",
      "a": "Adaptive Financial Consulting, LLC's principal office is in Beachwood, OH, according to its Form ADV."
    },
    {
      "q": "Is Adaptive Financial Consulting, LLC registered with the SEC or a state?",
      "a": "Adaptive Financial Consulting, LLC is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 288185."
    },
    {
      "q": "How much does Adaptive Financial Consulting, LLC manage?",
      "a": "Adaptive Financial Consulting, LLC reports $547,099,663 in regulatory assets under management in its Form ADV filing dated March 5, 2026 (94% discretionary)."
    },
    {
      "q": "How have Adaptive Financial Consulting, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Adaptive Financial Consulting, LLC: Regulatory assets under management: $285,149,417 in the October 2021 data and $547,099,663 in the October 2026 data, up 92%. Total employees: 8 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Adaptive Financial Consulting, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (93); pension and profit sharing plans (but not the plan participants or government pension plans) (85); high net worth individuals (83)."
    },
    {
      "q": "Which custodians does Adaptive Financial Consulting, LLC use?",
      "a": "Adaptive Financial Consulting, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Ascensus Broker Dealer Services, LLC, Fidelity Brokerage Services LLC and National Financial Services LLC as custodians holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Adaptive Financial Consulting, LLC report any disciplinary disclosures?",
      "a": "Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/288185"
    },
    {
      "q": "Does Adaptive Financial Consulting, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated March 5, 2026 says: \"There is no account minimum for any of AFCLLC’s services.\""
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 285149417.0,
      "total_employees": 8,
      "filing_date": "2021-04-30"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 348896964.0,
      "total_employees": 8,
      "filing_date": "2022-03-04"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 336898466.0,
      "total_employees": 8,
      "filing_date": "2023-03-02"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 403660589.0,
      "total_employees": 9,
      "filing_date": "2024-03-08"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 508501249.0,
      "total_employees": 8,
      "filing_date": "2025-03-07"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 547099663.0,
      "total_employees": 8,
      "filing_date": "2026-03-05"
    }
  ],
  "recent_changes": [],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated March 5, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "There is no account minimum for any of AFCLLC’s services."
        ]
      }
    ],
    "quotes": [
      "There is no account minimum for any of AFCLLC’s services."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Ascensus Broker Dealer Services, LLC",
      "name_as_filed": "ASCENSUS BROKER DEALER SERVICES, LLC",
      "affiliated": false
    },
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "affiliated": false
    },
    {
      "name": "National Financial Services LLC",
      "name_as_filed": "NATIONAL FINANCIAL SERVICES 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/adaptive-financial-consulting-llc-beachwood-oh-288185.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 93,
      "fewer_than_5": false,
      "raum": 48582937.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 83,
      "fewer_than_5": false,
      "raum": 231383203.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 85,
      "fewer_than_5": false,
      "raum": 267133523.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "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/288185",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}