# Bluestone® Financial Advisors, LLC

> Bluestone® Financial Advisors, LLC is an SEC-registered investment advisory firm in Bethesda, MD, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 13, 2026.

- CRD: 146946
- Filed as: BLUESTONE® FINANCIAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Bethesda, MD
- Filing period: October 2026
- Form ADV filing dated: February 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/146946
- AdvisorCensus page: https://advisorcensus.com/firm/bluestone-financial-advisors-llc-bethesda-md-146946

## Quick answers

**How is Bluestone® Financial Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Bluestone® Financial Advisors, LLC reports these compensation arrangements: fixed fees (other than subscription fees).

**How much does Bluestone® Financial Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated February 13, 2026 states: Flat fee: $5,000 to $10,000 (Financing Planning & Consulting). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Bluestone® Financial Advisors, LLC located?**
Bluestone® Financial Advisors, LLC's principal office is in Bethesda, MD, according to its Form ADV.

**Is Bluestone® Financial Advisors, LLC registered with the SEC or a state?**
Bluestone® Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 146946.

**How much does Bluestone® Financial Advisors, LLC manage?**
Bluestone® Financial Advisors, LLC reports $207,283,310 in regulatory assets under management in its Form ADV filing dated February 13, 2026 (92% discretionary).

**How have Bluestone® Financial Advisors, LLC's assets and staff changed since 2022?**
In the Form ADV data for Bluestone® Financial Advisors, LLC: Regulatory assets under management: $115,054,273 in the October 2022 data and $207,283,310 in the October 2026 data, up 80%. Total employees: 3 in October 2022 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Bluestone® Financial Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (50).

**Which custodians does Bluestone® Financial Advisors, LLC use?**
Bluestone® 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 Bluestone® 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/146946

**Does Bluestone® Financial Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated February 13, 2026 says: "There are no minimum investment amounts or conditions required for establishing an account managed by us nor are there conditions required for contracting for our personal CFO services."

**What changed in Bluestone® Financial Advisors, LLC's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $176,485,448 to $207,283,310 (+17%).

## From the Form ADV filing

### Compensation (Item 5.E)
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 13, 2026)

- Account minimum: None

> There are no minimum investment amounts or conditions required for establishing an account managed by us nor are there conditions required for contracting for our personal CFO services.

- Flat fee: $5,000 to $10,000 (Financing Planning & Consulting)

> Project fees for the Bluestone System are negotiable but generally range from $5,000 to $10,000 per business owner or partner on a one-time basis.

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: $207,283,310
- Discretionary: $189,997,735
- Non-discretionary: $17,285,575

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| High net worth individuals | 50 | $196,818,585 |
| Banking or thrift institutions | Not reported | $0 |
| Investment companies | Not reported | $0 |
| Business development companies | Not reported | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | Not reported | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Not reported | $0 |
| Charitable organizations | Fewer than 5 | $10,464,590 |
| State or municipal government entities (including government pension plans) | Not reported | $0 |
| Other investment advisers | Not reported | $0 |
| Insurance companies | Not reported | $0 |
| Sovereign wealth funds and foreign official institutions | Not reported | $0 |
| Corporations or other businesses not listed above | Fewer than 5 | $135 |
| Other | Not reported | $0 |

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

### Firm details
- Registered since: 2022 (4 years)
- Employees: 3 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MD, NY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- bfa-llc.com
- LinkedIn @bluestone-financial-advisors-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2022 | $115,054,273 | 3 | April 4, 2022 |
| October 2023 | $100,279,787 | 4 | September 14, 2023 |
| October 2024 | $146,446,558 | 3 | March 20, 2024 |
| October 2025 | $176,485,448 | 3 | June 10, 2025 |
| October 2026 | $207,283,310 | 3 | February 13, 2026 |

Regulatory assets under management: $115,054,273 in the October 2022 data and $207,283,310 in the October 2026 data, up 80%.
Total employees: 3 in October 2022 and 3 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $176,485,448 to $207,283,310 (+17%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Bluestone® Financial Advisors, LLC (CRD 146946): Form ADV filing data as of October 2026.