# Financial Security Management, Inc

> Financial Security Management, Inc is an SEC-registered investment advisory firm in Lakewood, CO, registered since 2015, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated May 21, 2026.

- CRD: 116570
- Filed as: FINANCIAL SECURITY MANAGEMENT, INC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Lakewood, CO
- Filing period: October 2026
- Form ADV filing dated: May 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/116570
- AdvisorCensus page: https://advisorcensus.com/firm/financial-security-management-inc-lakewood-co-116570

## Quick answers

**How is Financial Security Management, Inc compensated?**
On its Form ADV (Item 5.E, October 2026), Financial Security Management, Inc reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Financial Security Management, Inc charge?**
Its Form ADV Part 2A brochure dated March 9, 2026 states: Hourly rate: $400 an hour (financial plans and consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Financial Security Management, Inc located?**
Financial Security Management, Inc's principal office is in Lakewood, CO, according to its Form ADV.

**Is Financial Security Management, Inc registered with the SEC or a state?**
Financial Security Management, Inc is an SEC-registered investment advisory firm, registered since 2015. Status as filed: Approved. CRD 116570.

**How much does Financial Security Management, Inc manage?**
Financial Security Management, Inc reports $611,525,004 in regulatory assets under management in its Form ADV filing dated May 21, 2026 (100% discretionary).

**How have Financial Security Management, Inc's assets and staff changed since 2021?**
In the Form ADV data for Financial Security Management, Inc: Regulatory assets under management: $333,127,278 in the October 2021 data and $611,525,004 in the October 2026 data, up 84%. Total employees: 10 in October 2021 and 7 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Financial Security Management, Inc serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (973); high net worth individuals (129).

**Which custodians does Financial Security Management, Inc use?**
Financial Security Management, Inc'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 Financial Security Management, Inc 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/116570

**What changed in Financial Security Management, Inc's recent Form ADV filings?**
In the June 2026 filing data: Registered or notice-filed in MO.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 9, 2026)

- Hourly rate: $400 an hour (financial plans and consulting services)

> Our fees for services are computed at the hourly rate not to exceed $400.00 based on the number of hours expended by our firm.

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: $611,525,004
- Discretionary: $611,525,004
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 973 | $291,357,255 |
| High net worth individuals | 129 | $320,167,749 |

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

### Firm details
- Registered since: 2015 (11 years)
- Employees: 7 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, GA, KS, LA, MA, ME, MN, MO, MT, NC, NE, NM, NV, NY, OH, OK, OR, TN, TX, VA, WA, WY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

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

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $333,127,278 | 10 | January 26, 2021 |
| October 2022 | $416,316,640 | 8 | September 12, 2022 |
| October 2023 | $365,463,709 | 8 | June 16, 2023 |
| October 2024 | $439,444,621 | 8 | September 30, 2024 |
| October 2025 | $556,022,719 | 8 | June 13, 2025 |
| October 2026 | $611,525,004 | 7 | May 21, 2026 |

Regulatory assets under management: $333,127,278 in the October 2021 data and $611,525,004 in the October 2026 data, up 84%.
Total employees: 10 in October 2021 and 7 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Registered or notice-filed in MO.

### April 2026
- Employees performing advisory functions went from 5 to 7.
- Registered or notice-filed in MA, MN.

### December 2025
- Registered or notice-filed in TN.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Financial Security Management, Inc (CRD 116570): Form ADV filing data as of October 2026.