# 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.

- CRD: 327176
- Filed as: APFORIA
- 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)
- Location: Virginia Beach, VA
- Filing period: October 2026
- Form ADV filing dated: September 10, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/327176
- AdvisorCensus page: https://advisorcensus.com/firm/apforia-virginia-beach-va-327176

## Quick answers

**How 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); 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.

**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

### 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 February 24, 2026)

- Asset-based fee: 0.25% to 2% a year (a range, as the brochure states it)

> 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)

> 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)

> APFORIA may be compensated on a flat fee basis. This fee may range from $1,000 - $12,000 annually.

- Flat fee: $1,000 (educational seminars and workshops per participant)

> 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 brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial LLC
- 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: $101,914,296
- Discretionary: $101,914,296
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 312 | $56,108,440 |
| High net worth individuals | 56 | $42,257,315 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 17 | $3,548,541 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Educational seminars/workshops

### Firm details
- Registered since: 2023 (3 years)
- Employees: 18 total, 10 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, CA, CO, FL, LA, MA, MD, MO, NC, NE, NH, NY, OH, OR, PA, RI, TN, TX, VA, WA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Livingston, TX
- North Kingstown,, RI
- Spokane, WA

### Websites listed on Form ADV (Item 1.I)
- aheadfullwealth.com
- alwaysreadyfp.com
- apforia.com
- instarfp.com
- myciwm.com
- nextmissionfinancialplanning.com
- redeploymentwealth.com
- rwsfp.com
- Facebook @myciwm
- Facebook facebook.com
- Instagram @myciwm
- LinkedIn @clear-insight-wealth-management
- LinkedIn @redeployment-wealth-strategies

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $30,696,470 | 3 | July 27, 2023 |
| October 2024 | $73,652,310 | 6 | June 27, 2024 |
| October 2025 | $96,324,578 | 9 | April 1, 2025 |
| October 2026 | $101,914,296 | 18 | September 10, 2026 |

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.

## 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.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Apforia (CRD 327176): Form ADV filing data as of October 2026.