{
  "crd_number": 281915,
  "slug": "cloud-investments-llc-huntsville-al-281915",
  "primary_business_name": "CLOUD INVESTMENTS, LLC",
  "legal_name": "CLOUD INVESTMENTS, LLC",
  "dbas": [],
  "city": "Huntsville",
  "state": "AL",
  "country": "United States",
  "cbsa_code": "26620",
  "metro": {
    "cbsa_code": "26620",
    "common_name": "Huntsville",
    "msa_name": "Huntsville, AL",
    "path": "/advisors/al/huntsville"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2018-02-12",
  "years_registered": 8,
  "period": "2026-10-01",
  "filing_date": "2026-02-12",
  "carried_forward": false,
  "raum_total": 404025477.0,
  "raum_discretionary": 404025477.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 6,
  "advisory_employees": 6,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 5399065.0,
      "count": 15,
      "description": "TRUST ACCOUNTS"
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 253357573.0,
      "count": 904
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 145268839.0,
      "count": 76
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "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",
    "CO",
    "FL",
    "GA",
    "MN",
    "TN",
    "TX"
  ],
  "websites": [
    "https://cloudfinancial.com",
    "https://cloudfinancial.retirementreadytest.com/tax-analysis",
    "https://connectwithcloud.com",
    "https://facebook.com/AARON.HOWARD.7796",
    "https://facebook.com/cloudfinancial",
    "https://facebook.com/jmhuggins32",
    "https://instagram.com/cloudfinancialinvestments",
    "https://launchpadtowealthtv.com",
    "https://linkedin.com/COMPANY/CLOUD-FINANCIAL-INC",
    "https://linkedin.com/IN/CHARLIEHARRIMAN",
    "https://linkedin.com/IN/DONPCLOUD",
    "https://linkedin.com/IN/GERMICLOUD",
    "https://linkedin.com/company/cloud-financial-inc-?trk=nav_account_sub_nav_company_admin",
    "https://linkedin.com/in/john-michael-huggins-6a7a15171",
    "https://o0p59w634ws.typeform.com/to/BHLS4c6j",
    "https://o0p59w634ws.typeform.com/to/ouOHAnXm",
    "https://o0p59w634ws.typeform.com/to/sH6ZSXAh",
    "https://o0p59w634ws.typeform.com/to/wOLv7iOD",
    "https://ryr.connectwithcloud.com",
    "https://twitter.com/CLOUDFINANCIAL",
    "https://youtube.com/channel/UCH0AAXh1r7QIafjGk3d6c0A"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/281915",
  "city_as_filed": "HUNTSVILLE",
  "url": "https://advisorcensus.com/firm/cloud-investments-llc-huntsville-al-281915",
  "display_name": "Cloud Investments, LLC",
  "summary": "Cloud Investments, LLC is an SEC-registered investment advisory firm in Huntsville, AL, registered since 2018, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 12, 2026.",
  "citation": "AdvisorCensus. Cloud Investments, LLC (CRD 281915): 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"
  ],
  "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 Cloud Investments, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Cloud Investments, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges."
    },
    {
      "q": "Where is Cloud Investments, LLC located?",
      "a": "Cloud Investments, LLC's principal office is in Huntsville, AL, according to its Form ADV; the March 2026 filing also lists 2 other offices (Schedule D, Section 1.F)."
    },
    {
      "q": "Is Cloud Investments, LLC registered with the SEC or a state?",
      "a": "Cloud Investments, LLC is an SEC-registered investment advisory firm, registered since 2018. Status as filed: Approved. CRD 281915."
    },
    {
      "q": "How much does Cloud Investments, LLC manage?",
      "a": "Cloud Investments, LLC reports $404,025,477 in regulatory assets under management in its Form ADV filing dated February 12, 2026 (100% discretionary)."
    },
    {
      "q": "How have Cloud Investments, LLC's assets and staff changed since 2021?",
      "a": "In the Form ADV data for Cloud Investments, LLC: Regulatory assets under management: $212,380,118 in the October 2021 data and $404,025,477 in the October 2026 data, up 90%. Total employees: 5 in October 2021 and 6 in October 2026. Assets under management move with markets as well as with clients coming and going."
    },
    {
      "q": "What types of clients does Cloud Investments, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (904); high net worth individuals (76); other (15)."
    },
    {
      "q": "Which custodians does Cloud Investments, LLC use?",
      "a": "Cloud Investments, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Distributors Company LLC as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Cloud Investments, LLC 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/281915"
    },
    {
      "q": "Does Cloud Investments, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated February 12, 2026 says: \"Cloud Investments does not require a minimum of to open an account.\""
    },
    {
      "q": "What changed in Cloud Investments, LLC's recent Form ADV filings?",
      "a": "In the March 2026 filing data: Regulatory assets under management went from $343,763,348 to $404,025,477 (+18%)."
    }
  ],
  "filing_history": [
    {
      "period": "2021-10-01",
      "regulatory_assets_under_management": 212380118.0,
      "total_employees": 5,
      "filing_date": "2021-08-06"
    },
    {
      "period": "2022-10-01",
      "regulatory_assets_under_management": 225527000.0,
      "total_employees": 6,
      "filing_date": "2022-02-15"
    },
    {
      "period": "2023-10-01",
      "regulatory_assets_under_management": 224000000.0,
      "total_employees": 6,
      "filing_date": "2023-08-29"
    },
    {
      "period": "2024-10-01",
      "regulatory_assets_under_management": 238066015.0,
      "total_employees": 7,
      "filing_date": "2024-01-26"
    },
    {
      "period": "2025-10-01",
      "regulatory_assets_under_management": 299826000.0,
      "total_employees": 6,
      "filing_date": "2025-02-14"
    },
    {
      "period": "2026-10-01",
      "regulatory_assets_under_management": 404025477.0,
      "total_employees": 6,
      "filing_date": "2026-02-12"
    }
  ],
  "recent_changes": [
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Regulatory assets under management went from $343,763,348 to $404,025,477 (+18%)."
      ]
    },
    {
      "period": "2025-12-01",
      "period_label": "December 2025",
      "notes": [
        "Regulatory assets under management went from $299,826,000 to $343,763,348 (+15%)."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated February 12, 2026",
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "None",
    "account_minimum_may_be_waived": false,
    "minimum_annual_fee": null,
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: None"
        ],
        "quotes": [
          "Cloud Investments does not require a minimum of to open an account."
        ]
      }
    ],
    "quotes": [
      "Cloud Investments does not require a minimum of to open an account."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Fidelity Distributors Company LLC",
      "name_as_filed": "FIDELITY DISTRIBUTORS COMPANY LLC",
      "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/cloud-investments-llc-huntsville-al-281915.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 904,
      "fewer_than_5": false,
      "raum": 253357573.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 76,
      "fewer_than_5": false,
      "raum": 145268839.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 15,
      "fewer_than_5": false,
      "raum": 5399065.0
    }
  ],
  "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/281915",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}