# API Financial Advisors, LLC

> API Financial Advisors, LLC is an SEC-registered investment advisory firm in Rockledge, FL, registered since 2019, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated September 22, 2026.

- CRD: 304586
- Filed as: API FINANCIAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Rockledge, FL
- Filing period: October 2026
- Form ADV filing dated: September 22, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/304586
- AdvisorCensus page: https://advisorcensus.com/firm/api-financial-advisors-llc-rockledge-fl-304586

## Quick answers

**How is API Financial Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), API Financial Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does API Financial Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated July 1, 2026 states: Hourly rate: $300 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is API Financial Advisors, LLC located?**
API Financial Advisors, LLC's principal office is in Rockledge, FL, according to its Form ADV; the October 2026 filing also lists 4 other offices (Schedule D, Section 1.F).

**Is API Financial Advisors, LLC registered with the SEC or a state?**
API Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 304586.

**How much does API Financial Advisors, LLC manage?**
API Financial Advisors, LLC reports $84,651,087 in regulatory assets under management in its Form ADV filing dated September 22, 2026 (100% discretionary).

**How have API Financial Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for API Financial Advisors, LLC: Regulatory assets under management: $15,000,000 in the October 2021 data and $84,651,087 in the October 2026 data, up 464%. Total employees: 6 in October 2021 and 13 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does API Financial Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (217); high net worth individuals (10).

**Which custodians does API Financial Advisors, LLC use?**
API Financial Advisors, LLC's 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 API Financial Advisors, LLC 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/304586

**Does API Financial Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated July 1, 2026 says: "We require a minimum account size of $20,000. However, our minimum account size is waivable at our discretion."

**What changed in API Financial Advisors, LLC's recent Form ADV filings?**
In the July 2026 filing data: Registered or notice-filed in LA, NH.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated July 1, 2026)

- Account minimum: $20,000 (the brochure says it may be waived or negotiated)

> We require a minimum account size of $20,000. However, our minimum account size is waivable at our discretion.

- Hourly rate: $300 an hour (financial planning services)

> For our financial planning services, we charge an hourly rate of $300.

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: $84,651,087
- Discretionary: $84,651,087
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 217 | $65,444,458 |
| High net worth individuals | 10 | $19,206,629 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2019 (7 years)
- Employees: 13 total, 13 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AR, AZ, CA, FL, GA, ID, LA, MO, NE, NH, TN, TX
- 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
- Franklin, TN
- Lake Mary, FL
- Omaha, NE
- St. Augustine, FL

### Websites listed on Form ADV (Item 1.I)
- apifinancialadvisors.com
- Facebook @apifinancial
- LinkedIn @api-financial-advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $15,000,000 | 6 | July 16, 2021 |
| October 2022 | $19,537,179 | 7 | September 2, 2022 |
| October 2023 | $30,000,000 | 6 | June 12, 2023 |
| October 2024 | $44,500,000 | 6 | July 18, 2024 |
| October 2025 | $71,000,000 | 13 | June 23, 2025 |
| October 2026 | $84,651,087 | 13 | September 22, 2026 |

Regulatory assets under management: $15,000,000 in the October 2021 data and $84,651,087 in the October 2026 data, up 464%.
Total employees: 6 in October 2021 and 13 in October 2026.

## Changes in the filing (last 12 months)

### July 2026
- Registered or notice-filed in LA, NH.

### May 2026
- Added an office in Franklin, TN.
- Updated its list of owners and control persons (Schedule A).

### April 2026
- Employees performing advisory functions went from 10 to 13.
- Regulatory assets under management went from $71,000,000 to $84,651,087 (+19%).

### December 2025
- Employees performing advisory functions went from 13 to 10.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. API Financial Advisors, LLC (CRD 304586): Form ADV filing data as of October 2026.