# All Terrain Financial Advisors

> All Terrain Financial Advisors is an SEC-registered investment advisory firm in Coon Rapids, MN, registered since 2016, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 31, 2026.

- CRD: 286683
- Filed as: ALL TERRAIN FINANCIAL ADVISORS
- Legal name: All Terrain Financial Advisors, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Coon Rapids, MN
- Filing period: October 2026
- Form ADV filing dated: July 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/286683
- AdvisorCensus page: https://advisorcensus.com/firm/all-terrain-financial-advisors-coon-rapids-mn-286683

## Quick answers

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

**How much does All Terrain Financial Advisors charge?**
Its Form ADV Part 2A brochure dated July 31, 2026 states: Subscription: $5,000 to $10,000 a year (asset monitoring and/ or ongoing consultation services); Flat fee: $20,000 (planning and evaluation/set-up); Hourly rate: $250 an hour (Planning Fee services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is All Terrain Financial Advisors located?**
All Terrain Financial Advisors' principal office is in Coon Rapids, MN, according to its Form ADV.

**Is All Terrain Financial Advisors registered with the SEC or a state?**
All Terrain Financial Advisors is an SEC-registered investment advisory firm, registered since 2016. Status as filed: Approved. CRD 286683.

**How much does All Terrain Financial Advisors manage?**
All Terrain Financial Advisors reports $379,178,566 in regulatory assets under management in its Form ADV filing dated July 31, 2026 (97% discretionary).

**How have All Terrain Financial Advisors' assets and staff changed since 2021?**
In the Form ADV data for All Terrain Financial Advisors: Regulatory assets under management: $495,846,361 in the October 2021 data and $379,178,566 in the October 2026 data, down 24%. Total employees: 4 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does All Terrain Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (98); individuals (other than high net worth individuals) (92).

**Which custodians does All Terrain Financial Advisors use?**
All Terrain Financial Advisors' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does All Terrain Financial Advisors report any disciplinary disclosures?**
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/286683

**What changed in All Terrain Financial Advisors' recent Form ADV filings?**
In the August 2026 filing data: Registered or notice-filed in CO.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated July 31, 2026)

- Subscription: $5,000 to $10,000 a year (asset monitoring and/ or ongoing consultation services)

> The typical client fee for this service, which is charged in advance, is between $5,000.00 and $10,000.00 annually

- Flat fee: $20,000 (planning and evaluation/set-up)

> One-time Fixed Flat Fee $20,000 Fees are generally due and payable upon execution of the advisory agreement with ATFA

- Hourly rate: $250 an hour (Planning Fee services)

> For Planning Fee services, any refund of pre-paid fees will be calculated based on the amount of time spent by ATFA and multiplied by the hourly rate of $250 per hour.

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.

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: $379,178,566
- Discretionary: $367,434,193
- Non-discretionary: $11,744,373

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 92 | $27,385,379 |
| High net worth individuals | 98 | $339,759,245 |
| Charitable organizations | Fewer than 5 | $3,832,930 |
| Other investment advisers | Fewer than 5 | $7,852,453 |
| Corporations or other businesses not listed above | Fewer than 5 | $348,559 |

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

### Firm details
- Registered since: 2016 (9 years)
- Employees: 4 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CO, FL, LA, MN, NE, TX, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- allterrainfinancial.com
- alltfa.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $495,846,361 | 4 | March 29, 2021 |
| October 2022 | $265,983,614 | 4 | March 29, 2022 |
| October 2023 | $234,708,841 | 4 | March 24, 2023 |
| October 2024 | $289,153,144 | 4 | March 28, 2024 |
| October 2025 | $323,634,293 | 4 | March 21, 2025 |
| October 2026 | $379,178,566 | 4 | July 31, 2026 |

Regulatory assets under management: $495,846,361 in the October 2021 data and $379,178,566 in the October 2026 data, down 24%.
Total employees: 4 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### August 2026
- Registered or notice-filed in CO.

### April 2026
- Regulatory assets under management went from $323,634,293 to $379,178,566 (+17%).
- Registered or notice-filed in LA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. All Terrain Financial Advisors (CRD 286683): Form ADV filing data as of October 2026.