AdvisorCensus / Financial advisors / Virginia / Virginia Beach / Apforia
Apforia is an SEC-registered investment advisory firm in Virginia Beach, VA, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 10, 2026.
Quick answers
From the filingHow is Apforia compensated?
On its Form ADV (Item 5.E, October 2026), Apforia reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).
How much does Apforia charge?
Its Form ADV Part 2A brochure dated February 24, 2026 states: Asset-based fee: 0.25% to 2% a year (a range, as the brochure states it); Hourly rate: $500 an hour (hourly financial planning engagements); Flat fee: $1,000 to $12,000 a year (Employee Benefit Plan services). Fees can differ by service and may be negotiable; the brochure is the complete statement.
Where is Apforia located?
Apforia's principal office is in Virginia Beach, VA, according to its Form ADV; the October 2026 filing also lists 3 other offices (Schedule D, Section 1.F).
Is Apforia registered with the SEC or a state?
Apforia is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 327176.
How much does Apforia manage?
Apforia reports $101,914,296 in regulatory assets under management in its Form ADV filing dated September 10, 2026 (100% discretionary).
How have Apforia's assets and staff changed since 2023?
In the Form ADV data for Apforia: Regulatory assets under management: $30,696,470 in the October 2023 data and $101,914,296 in the October 2026 data, up 232%. Total employees: 3 in October 2023 and 18 in October 2026. Assets under management move with markets as well as with clients coming and going.
What types of clients does Apforia serve?
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (312); high net worth individuals (56); pension and profit sharing plans (but not the plan participants or government pension plans) (17).
Which custodians does Apforia use?
Apforia's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Altruist Financial LLC and Charles Schwab & Co., Inc. as custodians holding 10% or more of its separately managed account assets.
Does Apforia 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/327176
What changed in Apforia's recent Form ADV filings?
In the October 2026 filing data: Employees performing advisory functions went from 11 to 10. Added an office in Livingston, TX. No longer lists an office in Virginia Beach, VA.
From the Form ADV filing
Every figure below is as the firm filed it with regulators, as of October 2026.
How the firm is compensated
Item 5.E- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
Item 5.E lists how the firm is compensated for its advice; Items 5.B, 6.A, and 7.A show whether its people or related companies can also earn commissions. Percentage of assets, fixed, hourly, subscription, and performance-based fees come from clients (a performance-based fee depends on investment results); commissions come with a sale or a trade, often from the company behind the product. How fees, commissions, and other arrangements differ
Fees and minimums
Form ADV Part 2AAsset-based fee: 0.25% to 2% a year (a range, as the brochure states it)
The brochure's wording
Our annualized advisory fee is based on the market value of the assets under management and ranges from 0.25% to 2.00%. Fees are not negotiable, but each APFORIA Tenant Firm/IAR reserves the right to discount posted fees on a case-by-case basis.
Hourly rate: $500 an hour (hourly financial planning engagements)
The brochure's wording
APFORIA has established a maximum rate that Tenant Firms/IARs may charge for hourly services at $500 per hour or the maximum rate considered reasonable for your jurisdiction, whichever is lower.
Flat fee: $1,000 to $12,000 a year (Employee Benefit Plan services)
The brochure's wording
APFORIA may be compensated on a flat fee basis. This fee may range from $1,000 - $12,000 annually.
As stated in the firm's Form ADV Part 2A brochure dated February 24, 2026. Fees can differ by service and may be negotiable; the brochure is the complete statement. Read the brochure on the SEC's IAPD site
Regulatory assets under management
Item 5.F$101,914,296 as of October 2026, filing dated September 10, 2026.
A measure of scale, not skill or returns. Discretionary means the firm decides trades; non-discretionary means clients approve each one. What assets under management means
Who the firm serves
Item 5.DA firm with no individual clients is an institutional manager even if it manages billions; the mix tells you whom the practice is built around.
Advisory services
Item 5.G- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Educational seminars/workshops
Registration and firm details
Items 1, 2, 5- Legal name
- Apforia Ltd
- Also doing business as
- AHEAD FULL WEALTH MANAGEMENT, ALWAYS READY FINANCIAL PLANNING, CLEAR INSIGHT WEALTH MANAGEMENT, INSTAR FINANCIAL PLANNING, NEXT MISSION FINANCIAL PLANNING, REDEPLOYMENT WEALTH STRATEGIES
- Registration
- SEC-registered investment adviser. Status as filed: Approved.
- Registered since
- 2023 (3 years)
- Employees
- Total: 18. Performing investment advisory functions: 10.
- Wrap fee program participation
- No.
- Custodians (Schedule D, Section 5.K(3))
-
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.
- Other offices (Schedule D, Section 1.F)
-
3 other offices, as of the October 2026 filing
- States registered or notice-filed
-
20 states or jurisdictions
SEC-registered investment advisers are examined by the SEC. SEC, state, and exempt registration
Disclosures
Item 11None Reports no disclosure items on Form ADV Item 11. View on IAPD.
Item 11 asks about criminal, regulatory, and civil events involving the firm and its advisory personnel. The detail of each yes answer is on the IAPD record. Reading a firm's disclosures
Assets and staff over time
Items 5.A, 5.F| Data period | Assets under management | Employees | Filing dated |
|---|---|---|---|
| October 2026 | $101,914,296 | 18 | September 10, 2026 |
| October 2025 | $96,324,578 | 9 | April 1, 2025 |
| October 2024 | $73,652,310 | 6 | June 27, 2024 |
| October 2023 | $30,696,470 | 3 | July 27, 2023 |
Regulatory assets under management: $30,696,470 in the October 2023 data and $101,914,296 in the October 2026 data, up 232%.
Total employees: 3 in October 2023 and 18 in October 2026.
As filed in each year's data for the same month. Assets under management move with markets as well as with clients coming and going; they measure scale, not skill or returns. Most firms update these figures once a year.
Changes in the filing
Last 12 months- October 2026
- Employees performing advisory functions went from 11 to 10.
- Added an office in Livingston, TX.
- No longer lists an office in Virginia Beach, VA.
- May 2026
- Employees performing advisory functions went from 9 to 11.
- April 2026
- Registered or notice-filed in PA.
- March 2026
- No longer lists the business name Clear Insight Financial Planning.
- Employees performing advisory functions went from 10 to 9.
- Added an office in North Kingstown,, RI.
- December 2025
- Employees performing advisory functions went from 9 to 10.
- Added an office in Virginia Beach, VA.
- November 2025
- Added the business name Always Ready Financial Planning.
Compared month to month from the SEC's monthly adviser data and the state compilation feed. Owners and control persons are summarized, never named.
Websites listed on Form ADV
Item 1.ISource: Form ADV, as of October 2026. Values appear as filed; a value the firm did not report is shown as "Not reported."
Cite this page
AdvisorCensus. Apforia (CRD 327176): Form ADV filing data as of October 2026. https://advisorcensus.com/firm/apforia-virginia-beach-va-327176