# Bradford Financial Services Corp

> Bradford Financial Services Corp is an SEC-registered investment advisory firm in Tarpon Springs, FL, registered since 2019, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 17, 2026.

- CRD: 133220
- Filed as: BRADFORD FINANCIAL SERVICES CORP
- Also doing business as: BRADFORD FINANCIAL SERVICES CORP, BRADFORD FINANCIAL SERVICES, INC., HARALAMBOS I. KITSOS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Tarpon Springs, FL
- Filing period: October 2026
- Form ADV filing dated: February 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/133220
- AdvisorCensus page: https://advisorcensus.com/firm/bradford-financial-services-corp-tarpon-springs-fl-133220

## Quick answers

**How is Bradford Financial Services Corp compensated?**
On its Form ADV (Item 5.E, October 2026), Bradford Financial Services Corp reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does Bradford Financial Services Corp charge?**
Its Form ADV Part 2A brochure dated February 17, 2026 states: Hourly rate: $250 an hour. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Bradford Financial Services Corp located?**
Bradford Financial Services Corp's principal office is in Tarpon Springs, FL, according to its Form ADV; the March 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Bradford Financial Services Corp registered with the SEC or a state?**
Bradford Financial Services Corp is an SEC-registered investment advisory firm, registered since 2019. Status as filed: Approved. CRD 133220.

**How much does Bradford Financial Services Corp manage?**
Bradford Financial Services Corp reports $261,856,990 in regulatory assets under management in its Form ADV filing dated February 17, 2026 (100% discretionary).

**How have Bradford Financial Services Corp's assets and staff changed since 2021?**
In the Form ADV data for Bradford Financial Services Corp: Regulatory assets under management: $161,456,000 in the October 2021 data and $261,856,990 in the October 2026 data, up 62%. Total employees: 1 in October 2021 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Bradford Financial Services Corp serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (549); corporations or other businesses not listed above (28).

**Does Bradford Financial Services Corp 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/133220

**What changed in Bradford Financial Services Corp's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $235,721,365 to $261,856,990 (+11%).

## 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 17, 2026)

- Hourly rate: $250 an hour

> BFS may charge on an hourly basis. I will charge $250 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Regulatory assets under management (Item 5.F)
- Total: $261,856,990
- Discretionary: $261,673,458
- Non-discretionary: $183,532

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 549 | $250,680,041 |
| Corporations or other businesses not listed above | 28 | $11,176,949 |

### 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
- Selection of other advisers (including private fund managers)
- Publication of periodicals or newsletters
- Educational seminars/workshops

### Firm details
- Registered since: 2019 (6 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MA, NH, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the March 2026 filing
- North Andover, MA

### Websites listed on Form ADV (Item 1.I)
- [bradfordfinancialservices.com](https://bradfordfinancialservices.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $161,456,000 | 1 | February 4, 2021 |
| October 2022 | $177,591,000 | 1 | August 6, 2022 |
| October 2023 | $172,242,875 | 1 | March 29, 2023 |
| October 2024 | $195,703,569 | 1 | January 31, 2024 |
| October 2025 | $235,721,365 | 1 | February 4, 2025 |
| October 2026 | $261,856,990 | 1 | February 17, 2026 |

Regulatory assets under management: $161,456,000 in the October 2021 data and $261,856,990 in the October 2026 data, up 62%.
Total employees: 1 in October 2021 and 1 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $235,721,365 to $261,856,990 (+11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Bradford Financial Services Corp (CRD 133220): Form ADV filing data as of October 2026.