{
  "crd_number": 327176,
  "slug": "apforia-virginia-beach-va-327176",
  "primary_business_name": "APFORIA",
  "legal_name": "APFORIA LTD",
  "dbas": [
    "AHEAD FULL WEALTH MANAGEMENT",
    "ALWAYS READY FINANCIAL PLANNING",
    "CLEAR INSIGHT WEALTH MANAGEMENT",
    "INSTAR FINANCIAL PLANNING",
    "NEXT MISSION FINANCIAL PLANNING",
    "REDEPLOYMENT WEALTH STRATEGIES"
  ],
  "city": "Virginia Beach",
  "state": "VA",
  "country": "United States",
  "cbsa_code": "47260",
  "metro": {
    "cbsa_code": "47260",
    "common_name": "Virginia Beach",
    "msa_name": "Virginia Beach-Chesapeake-Norfolk, VA-NC",
    "path": "/advisors/va/virginia-beach"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2023-08-02",
  "years_registered": 3,
  "period": "2026-10-01",
  "filing_date": "2026-09-10",
  "carried_forward": false,
  "raum_total": 101914296.0,
  "raum_discretionary": 101914296.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 18,
  "advisory_employees": 10,
  "client_count_bucket": null,
  "clients_by_type": {
    "individuals": {
      "raum": 56108440.0,
      "count": 312
    },
    "pension_profit_sharing": {
      "raum": 3548541.0,
      "count": 17
    },
    "high_net_worth_individuals": {
      "raum": 42257315.0,
      "count": 56
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "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",
    "CA",
    "CO",
    "FL",
    "LA",
    "MA",
    "MD",
    "MO",
    "NC",
    "NE",
    "NH",
    "NY",
    "OH",
    "OR",
    "PA",
    "RI",
    "TN",
    "TX",
    "VA",
    "WA"
  ],
  "websites": [
    "https://aheadfullwealth.com",
    "https://alwaysreadyfp.com",
    "https://apforia.com",
    "https://facebook.com/myciwm",
    "https://facebook.com/profile.php?id=100063581439685",
    "https://instagram.com/myciwm",
    "https://instarfp.com",
    "https://linkedin.com/company/clear-insight-wealth-management",
    "https://linkedin.com/company/redeployment-wealth-strategies",
    "https://myciwm.com",
    "https://nextmissionfinancialplanning.com",
    "https://redeploymentwealth.com",
    "https://rwsfp.com"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/327176",
  "city_as_filed": "VIRGINIA BEACH",
  "url": "https://advisorcensus.com/firm/apforia-virginia-beach-va-327176",
  "display_name": "Apforia",
  "summary": "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.",
  "citation": "AdvisorCensus. Apforia (CRD 327176): 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",
    "Pension consulting services",
    "Educational seminars/workshops"
  ],
  "quick_answers": [
    {
      "q": "How is Apforia compensated?",
      "a": "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)."
    },
    {
      "q": "How much does Apforia charge?",
      "a": "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); Flat fee: $1,000 (educational seminars and workshops per participant). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Apforia located?",
      "a": "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)."
    },
    {
      "q": "Is Apforia registered with the SEC or a state?",
      "a": "Apforia is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 327176."
    },
    {
      "q": "How much does Apforia manage?",
      "a": "Apforia reports $101,914,296 in regulatory assets under management in its Form ADV filing dated September 10, 2026 (100% discretionary)."
    },
    {
      "q": "How have Apforia's assets and staff changed since 2023?",
      "a": "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."
    },
    {
      "q": "What types of clients does Apforia serve?",
      "a": "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)."
    },
    {
      "q": "Which custodians does Apforia use?",
      "a": "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."
    },
    {
      "q": "Does Apforia 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/327176"
    },
    {
      "q": "What changed in Apforia's recent Form ADV filings?",
      "a": "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."
    }
  ],
  "filing_history": [
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 30696470.0,
      "total_employees": 3,
      "filing_date": "2023-07-27"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 73652310.0,
      "total_employees": 6,
      "filing_date": "2024-06-27"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 96324578.0,
      "total_employees": 9,
      "filing_date": "2025-04-01"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 101914296.0,
      "total_employees": 18,
      "filing_date": "2026-09-10"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-10-01",
      "period_label": "October 2026",
      "notes": [
        "Employees performing advisory functions went from 11 to 10.",
        "Added an office in Livingston, TX.",
        "No longer lists an office in Virginia Beach, VA."
      ]
    },
    {
      "period": "2026-05-01",
      "period_label": "May 2026",
      "notes": [
        "Employees performing advisory functions went from 9 to 11."
      ]
    },
    {
      "period": "2026-04-01",
      "period_label": "April 2026",
      "notes": [
        "Registered or notice-filed in PA."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "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."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Employees performing advisory functions went from 9 to 10.",
        "Added an office in Virginia Beach, VA."
      ]
    },
    {
      "period": "2025-11-01",
      "period_label": "November 2025",
      "notes": [
        "Added the business name Always Ready Financial Planning."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 24, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": "0.25% to 2% a year",
    "stated_maximum": null,
    "account_minimum": null,
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Hourly rate: $500 an hour (hourly financial planning engagements)",
      "Flat fee: $1,000 to $12,000 a year (Employee Benefit Plan services)",
      "Flat fee: $1,000 (educational seminars and workshops per participant)"
    ],
    "figures": [
      {
        "label": "Asset-based fee",
        "statements": [
          "Asset-based fee: 0.25% to 2% a year (a range, as the brochure states it)"
        ],
        "quotes": [
          "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."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Hourly rate: $500 an hour (hourly financial planning engagements)"
        ],
        "quotes": [
          "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."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 to $12,000 a year (Employee Benefit Plan services)"
        ],
        "quotes": [
          "APFORIA may be compensated on a flat fee basis. This fee may range from $1,000 - $12,000 annually."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $1,000 (educational seminars and workshops per participant)"
        ],
        "quotes": [
          "APFORIA may be compensated on a flat fee basis. This fee may range from $1,000 - $12,000 annually."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": [
        0.25,
        2.0
      ],
      "max_pct": null,
      "account_minimum": null,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "hourly",
          "amount": 500.0,
          "min": null,
          "max": null,
          "period": "hour",
          "service": "hourly financial planning engagements"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 1000.0,
          "max": 12000.0,
          "period": "annual",
          "service": "Employee Benefit Plan services"
        },
        {
          "kind": "flat",
          "amount": 1000.0,
          "min": null,
          "max": null,
          "period": "one_time",
          "service": "educational seminars and workshops per participant"
        }
      ]
    },
    "quotes": [
      "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.",
      "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.",
      "APFORIA may be compensated on a flat fee basis. This fee may range from $1,000 - $12,000 annually.",
      "APFORIA may be compensated on a flat fee basis. This fee may range from $1,000 - $12,000 annually."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Altruist Financial LLC",
      "name_as_filed": "ALTRUIST FINANCIAL LLC",
      "affiliated": false
    },
    {
      "name": "Charles Schwab & Co., Inc.",
      "name_as_filed": "CHARLES SCHWAB & CO., INC.",
      "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/apforia-virginia-beach-va-327176.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 312,
      "fewer_than_5": false,
      "raum": 56108440.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 56,
      "fewer_than_5": false,
      "raum": 42257315.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 17,
      "fewer_than_5": false,
      "raum": 3548541.0
    }
  ],
  "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/327176",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}