# Forefront Asset Management, LLC

> Forefront Asset Management, LLC is an SEC-registered investment advisory firm in Virginia Beach, VA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 13, 2026.

- CRD: 281118
- Filed as: FOREFRONT ASSET MANAGEMENT, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Virginia Beach, VA
- Filing period: October 2026
- Form ADV filing dated: May 13, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/281118
- AdvisorCensus page: https://advisorcensus.com/firm/forefront-asset-management-llc-virginia-beach-va-281118

## Quick answers

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

**How much does Forefront Asset Management, LLC charge?**
Its Form ADV Part 2A brochure dated January 29, 2026 states: Hourly rate: up to $350 an hour (hourly Financial Planning and Consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Forefront Asset Management, LLC located?**
Forefront Asset Management, LLC's principal office is in Virginia Beach, VA, according to its Form ADV; the June 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Forefront Asset Management, LLC registered with the SEC or a state?**
Forefront Asset Management, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 281118.

**How much does Forefront Asset Management, LLC manage?**
Forefront Asset Management, LLC reports $136,948,016 in regulatory assets under management in its Form ADV filing dated May 13, 2026 (92% discretionary).

**How have Forefront Asset Management, LLC's assets and staff changed since 2025?**
In the Form ADV data for Forefront Asset Management, LLC: Regulatory assets under management: $122,865,684 in the October 2025 data and $136,948,016 in the October 2026 data, up 11%. Total employees: 4 in October 2025 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Forefront Asset Management, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (276); high net worth individuals (31); pension and profit sharing plans (but not the plan participants or government pension plans) (6).

**Which custodians does Forefront Asset Management, LLC use?**
Forefront Asset Management, LLC's 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 Forefront Asset Management, LLC 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/281118

**Does Forefront Asset Management, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated January 29, 2026 says: "There is no minimum portfolio value or minimum annual fee for any account. Generally, Forefront’s portfolio management fees are non-negotiable, but Forefront may, at its discretion, make exceptions to the foregoing or negotiate special fee arrangements where Forefront deems it appropriate under the circumstances."

**What changed in Forefront Asset Management, LLC's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $122,865,684 to $136,948,016 (+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 January 29, 2026)

- Account minimum: None

> There is no minimum portfolio value or minimum annual fee for any account. Generally, Forefront’s portfolio management fees are non-negotiable, but Forefront may, at its discretion, make exceptions to the foregoing or negotiate special fee arrangements where Forefront deems it appropriate under the circumstances.

- Minimum annual fee: None

> There is no minimum portfolio value or minimum annual fee for any account.

- Hourly rate: up to $350 an hour (hourly Financial Planning and Consulting services)

> Our current hourly fees are a maximum of $350 per hour based on the scope of the planning needed. Hourly Consulting fees are negotiable.

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: $136,948,016
- Discretionary: $125,767,947
- Non-discretionary: $11,180,069

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 276 | $67,458,362 |
| High net worth individuals | 31 | $66,131,876 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| 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) | 6 | $1,300,186 |
| Charitable organizations | 4 | $1,574,155 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| 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 | 5 | $483,437 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2025 (1 year)
- Employees: 4 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, NC, NY, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Williamsburg, VA

### Websites listed on Form ADV (Item 1.I)
- callconfirmed.net
- callwithluke.com
- forefrontam.com
- getyourfinancialplan.com
- Facebook facebook.com
- Instagram @lukemesserfinance
- LinkedIn @luke-messer-aams®-crpc®-cbda-379b7421b
- TikTok @lukemesserfinance
- YouTube @LukeMesserFinance

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $122,865,684 | 4 | June 3, 2025 |
| October 2026 | $136,948,016 | 4 | May 13, 2026 |

Regulatory assets under management: $122,865,684 in the October 2025 data and $136,948,016 in the October 2026 data, up 11%.
Total employees: 4 in October 2025 and 4 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $122,865,684 to $136,948,016 (+11%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Forefront Asset Management, LLC (CRD 281118): Form ADV filing data as of October 2026.