# Downshift Financial

> Downshift Financial is an SEC-registered investment advisory firm, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 29, 2026.

- CRD: 314068
- Filed as: DOWNSHIFT FINANCIAL
- Legal name: Downshift Financial, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: June 29, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/314068
- AdvisorCensus page: https://advisorcensus.com/firm/downshift-financial-314068

## Quick answers

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

**Is Downshift Financial registered with the SEC or a state?**
Downshift Financial is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 314068.

**How much does Downshift Financial manage?**
Downshift Financial reports $214,650,000 in regulatory assets under management in its Form ADV filing dated June 29, 2026 (99% discretionary).

**How have Downshift Financial's assets and staff changed since 2025?**
In the Form ADV data for Downshift Financial: Regulatory assets under management: $135,399,662 in the October 2025 data and $214,650,000 in the October 2026 data, up 59%. Total employees: 3 in October 2025 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Downshift Financial serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (81).

**Which custodians does Downshift Financial use?**
Downshift Financial'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 Downshift Financial 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/314068

**Does Downshift Financial state an account minimum?**
Its Form ADV Part 2A brochure dated June 29, 2026 says: "We do not require a minimum account size or amount of investable assets in order to receive our services."

**What changed in Downshift Financial's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $191,500,000 to $214,650,000 (+12%). Added an office in McCarthy, FL. No longer lists an office in Dubois, WY. Registered or notice-filed in FL.

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated June 29, 2026)

- Account minimum: None

> We do not require a minimum account size or amount of investable assets in order to receive our services.

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: $214,650,000
- Discretionary: $211,846,000
- Non-discretionary: $2,804,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | Fewer than 5 | $287,000 |
| High net worth individuals | 81 | $214,363,000 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2024 (2 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the July 2026 filing
- McCarthy, FL

### Websites listed on Form ADV (Item 1.I)
- downshiftfinancial.com
- Facebook @downshiftfinancial
- LinkedIn @downshift-financial
- X @TravisEHughes

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $135,399,662 | 3 | February 3, 2025 |
| October 2026 | $214,650,000 | 3 | June 29, 2026 |

Regulatory assets under management: $135,399,662 in the October 2025 data and $214,650,000 in the October 2026 data, up 59%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $191,500,000 to $214,650,000 (+12%).
- Added an office in McCarthy, FL.
- No longer lists an office in Dubois, WY.
- Registered or notice-filed in FL.

### December 2025
- Regulatory assets under management went from $135,399,662 to $191,500,000 (+41%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Downshift Financial (CRD 314068): Form ADV filing data as of October 2026.