# Forty North Wealth

> Forty North Wealth is an SEC-registered investment advisory firm in Glendale, CO, registered since 2017, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 17, 2026.

- CRD: 290770
- Filed as: FORTY NORTH WEALTH
- Legal name: Panoramic Investment Advisors, LLC
- Also doing business as: AVALON RETIREMENT, INC., FINANCIAL PARTNERS, LLC, HAFNER AND ASSOCIATES, LLC, INSIGHT ASSET MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Glendale, CO
- Filing period: October 2026
- Form ADV filing dated: March 17, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/290770
- AdvisorCensus page: https://advisorcensus.com/firm/forty-north-wealth-glendale-co-290770

## Quick answers

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

**How much does Forty North Wealth charge?**
Its Form ADV Part 2A brochure dated March 17, 2026 states: Asset-based fee: up to 1.75% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Forty North Wealth located?**
Forty North Wealth's principal office is in Glendale, CO, according to its Form ADV; the April 2026 filing also lists 3 other offices (Schedule D, Section 1.F).

**Is Forty North Wealth registered with the SEC or a state?**
Forty North Wealth is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 290770.

**How much does Forty North Wealth manage?**
Forty North Wealth reports $350,608,741 in regulatory assets under management in its Form ADV filing dated March 17, 2026 (91% discretionary).

**How have Forty North Wealth's assets and staff changed since 2021?**
In the Form ADV data for Forty North Wealth: Regulatory assets under management: $166,906,372 in the October 2021 data and $350,608,741 in the October 2026 data, up 110%. Total employees: 11 in October 2021 and 12 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Forty North Wealth serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (458); high net worth individuals (74); corporations or other businesses not listed above (2).

**Which custodians does Forty North Wealth use?**
Forty North Wealth'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 Forty North Wealth 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/290770

**What changed in Forty North Wealth's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $292,521,348 to $350,608,741 (+20%). Registered or notice-filed in MN.

## 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 March 17, 2026)

- Asset-based fee: up to 1.75% of assets a year (the maximum the brochure states)

> Our maximum annual fee is 1.75%, and we have a minimum account size of $50,000.

> Our annual fee is prorated and charged quarterly in advance based on the value of the Client’s assets under management as of the close of business on the last business day of the previous quarter.

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: $350,608,741
- Discretionary: $319,661,980
- Non-discretionary: $30,946,761

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 458 | $176,703,680 |
| High net worth individuals | 74 | $173,309,371 |
| Corporations or other businesses not listed above | 2 | $595,690 |

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

### Firm details
- Registered since: 2017 (8 years)
- Employees: 12 total, 8 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, IA, ID, LA, MN, NE, SC, TX, WY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Greenwood Village, CO
- Parker, CO
- Wheat Ridge, CO

### Websites listed on Form ADV (Item 1.I)
- avalonretirement.com
- fortynorthwealth.com
- insightassetmgmt.com
- panoramicia.com
- Facebook @insightassetmgmt
- LinkedIn @insight-asset-management-llc

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $166,906,372 | 11 | March 31, 2021 |
| October 2022 | $191,461,660 | 11 | March 3, 2022 |
| October 2023 | $198,391,037 | 10 | October 2, 2023 |
| October 2024 | $242,035,085 | 12 | April 11, 2024 |
| October 2025 | $292,521,348 | 12 | May 15, 2025 |
| October 2026 | $350,608,741 | 12 | March 17, 2026 |

Regulatory assets under management: $166,906,372 in the October 2021 data and $350,608,741 in the October 2026 data, up 110%.
Total employees: 11 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $292,521,348 to $350,608,741 (+20%).
- Registered or notice-filed in MN.

### January 2026
- No longer registered or notice-filed in MN, MT, OR.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Forty North Wealth (CRD 290770): Form ADV filing data as of October 2026.