# Confluence Financial Partners

> Confluence Financial Partners is an SEC-registered investment advisory firm in McMurray, PA, registered since 2021, reporting over $5 billion in regulatory assets under management in its Form ADV filing dated September 15, 2026.

- CRD: 311980
- Filed as: CONFLUENCE FINANCIAL PARTNERS
- Legal name: Confluence Wealth Services, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: McMurray, PA
- Filing period: October 2026
- Form ADV filing dated: September 15, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/311980
- AdvisorCensus page: https://advisorcensus.com/firm/confluence-financial-partners-mcmurray-pa-311980

## Quick answers

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

**How much does Confluence Financial Partners charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Flat fee: $5,000 (preparation and review of a Client’s plan). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Confluence Financial Partners located?**
Confluence Financial Partners' principal office is in McMurray, PA, according to its Form ADV; the October 2026 filing also lists 4 other offices (Schedule D, Section 1.F).

**Is Confluence Financial Partners registered with the SEC or a state?**
Confluence Financial Partners is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 311980.

**How much does Confluence Financial Partners manage?**
Confluence Financial Partners reports $7,808,637,160 in regulatory assets under management in its Form ADV filing dated September 15, 2026 (96% discretionary).

**How have Confluence Financial Partners' assets and staff changed since 2021?**
In the Form ADV data for Confluence Financial Partners: Regulatory assets under management: $2,200,289,648 in the October 2021 data and $7,808,637,160 in the October 2026 data, up 255%. Total employees: 35 in October 2021 and 71 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Confluence Financial Partners serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (3,238); high net worth individuals (1,910); pension and profit sharing plans (but not the plan participants or government pension plans) (39).

**Which custodians does Confluence Financial Partners use?**
Confluence Financial Partners' most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Raymond James & Associates, Inc. as a custodian holding 10% or more of its separately managed account assets.

**Does Confluence Financial Partners 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/311980

**What changed in Confluence Financial Partners' recent Form ADV filings?**
In the October 2026 filing data: Changed its legal name from Confluence Wealth Services, Inc. to Confluence Wealth Services, LLC. Employees performing advisory functions went from 38 to 39. Regulatory assets under management went from $6,836,016,201 to $7,808,637,160 (+14%). Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Minimum annual fee: $1,000

> If the annualized fee for the entire household is less than $1,000, Confluence will charge a minimum fee of $1,000 for the year.

- Flat fee: $5,000 (preparation and review of a Client’s plan)

> Confluence offers Financial Plan Reviews on a fixed fee basis for those Clients who desire financial planning as a standalone service. The standard fee associated with the preparation and review of a Client’s plan starts at $5,000

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

### Custodians (Schedule D, Section 5.K(3))
- Raymond James & Associates, 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: $7,808,637,160
- Discretionary: $7,511,939,743
- Non-discretionary: $296,697,417

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 3,238 | $1,079,618,373 |
| High net worth individuals | 1,910 | $6,339,456,811 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 1 | $541,330 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 39 | $237,000,339 |
| Charitable organizations | 7 | $53,399,036 |
| State or municipal government entities (including government pension plans) | 4 | $20,407,331 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 28 | $77,049,868 |
| Other | 1 | $1,164,072 |

### 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
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2021 (5 years)
- Employees: 71 total, 39 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV
- 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
- Bonita Springs, FL
- Grove City, PA
- Pittsburgh, PA
- Sewickley, PA

### Websites listed on Form ADV (Item 1.I)
- confluencefp.com
- iheart.com/podcast/269-living-your-legacy-by-conf-321243522
- open.spotify.com/show/56efdkkI30QnFBI7dYT0o6
- podcasts.apple.com/us/podcast/confluence-podcasts/id1003363225
- Facebook @confluenceFP
- Instagram @confluencefp
- LinkedIn @confluence-financial-partners
- YouTube @LivingYourLegacyCFP
- YouTube @UCpukYDyxptI31BI5v3EnN0A

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $2,200,289,648 | 35 | August 3, 2021 |
| October 2022 | $2,508,586,762 | 35 | July 26, 2022 |
| October 2023 | $2,469,850,578 | 42 | August 10, 2023 |
| October 2024 | $3,055,505,438 | 69 | September 4, 2024 |
| October 2025 | $5,454,175,362 | 68 | April 1, 2025 |
| October 2026 | $7,808,637,160 | 71 | September 15, 2026 |

Regulatory assets under management: $2,200,289,648 in the October 2021 data and $7,808,637,160 in the October 2026 data, up 255%.
Total employees: 35 in October 2021 and 71 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Changed its legal name from Confluence Wealth Services, Inc. to Confluence Wealth Services, LLC.
- Employees performing advisory functions went from 38 to 39.
- Regulatory assets under management went from $6,836,016,201 to $7,808,637,160 (+14%).
- Updated its list of owners and control persons (Schedule A).

### August 2026
- Registered or notice-filed in ME.

### July 2026
- Added an office in Bonita Springs, FL.
- No longer lists an office in Naples, FL.

### April 2026
- Employees performing advisory functions went from 37 to 38.
- Regulatory assets under management went from $5,454,175,362 to $6,836,016,201 (+25%).
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Confluence Financial Partners (CRD 311980): Form ADV filing data as of October 2026.