# Frank Financial Advisors

> Frank Financial Advisors is an SEC-registered investment advisory firm in Carlsbad, CA, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated February 16, 2026.

- CRD: 147537
- Filed as: FRANK FINANCIAL ADVISORS
- Legal name: Frank Financial Services
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Carlsbad, CA
- Filing period: October 2026
- Form ADV filing dated: February 16, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/147537
- AdvisorCensus page: https://advisorcensus.com/firm/frank-financial-advisors-carlsbad-ca-147537

## Quick answers

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

**How much does Frank Financial Advisors charge?**
Its Form ADV Part 2A brochure dated February 16, 2026 states: Asset-based fee: 1% to 2% a year (a range, as the brochure states it); Flat fee: $1,000 to $10,000 (Financial Planning and Consulting Services); Hourly rate: $250 an hour (Financial Planning and Consulting Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Frank Financial Advisors located?**
Frank Financial Advisors' principal office is in Carlsbad, CA, according to its Form ADV.

**Is Frank Financial Advisors registered with the SEC or a state?**
Frank Financial Advisors is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 147537.

**How much does Frank Financial Advisors manage?**
Frank Financial Advisors reports $188,217,262 in regulatory assets under management in its Form ADV filing dated February 16, 2026 (97% discretionary).

**How have Frank Financial Advisors' assets and staff changed since 2021?**
In the Form ADV data for Frank Financial Advisors: Regulatory assets under management: $131,765,041 in the October 2021 data and $188,217,262 in the October 2026 data, up 43%. Total employees: 3 in October 2021 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Frank Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (80); high net worth individuals (60); corporations or other businesses not listed above (4).

**Which custodians does Frank Financial Advisors use?**
Frank Financial Advisors' 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 Frank Financial Advisors 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/147537

**Does Frank Financial Advisors state an account minimum?**
Its Form ADV Part 2A brochure dated February 16, 2026 says: "Frank Financial Advisors requires a minimum account of $500,000 for investment advisory clients, although this may be negotiable under certain circumstances."

**What changed in Frank Financial Advisors' recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $164,442,897 to $188,217,262 (+14%).

## 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 February 16, 2026)

- Asset-based fee: 1% to 2% a year (a range, as the brochure states it)

> The annual fees for Frank Financial Advisors portfolio management services range from 1.0% to 2.0% annually of assets under management.

- Account minimum: $500,000 (the brochure says it may be waived or negotiated)

> Frank Financial Advisors requires a minimum account of $500,000 for investment advisory clients, although this may be negotiable under certain circumstances.

- Minimum annual fee: $200

> Clients receiving ongoing investment management services will be assessed a $200 minimum annual fee.

- Flat fee: $1,000 to $10,000 (Financial Planning and Consulting Services)

> As a fixed fee, typically ranging from $1,000 to $10,000 depending on the nature and complexity of each client’s circumstances

- Hourly rate: $250 an hour (Financial Planning and Consulting Services)

> On an hourly basis of $250 per hour. Financial plans are priced according to the degree of complexity associated with the client’s situation.

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: $188,217,262
- Discretionary: $182,408,083
- Non-discretionary: $5,809,179

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 80 | $20,661,383 |
| High net worth individuals | 60 | $166,986,926 |
| Corporations or other businesses not listed above | 4 | $568,953 |

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

### Firm details
- Registered since: 2021 (5 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, LA, NH, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- frankfinancial.net
- frankfinancialadvisors.com
- plus.google.com/+FRANKFINANCIALADVISORSCARLSBAD
- yelp.com/biz/frank-financial-advisors-carlsbad
- Facebook @FRANKFINANCIALADVISORS
- LinkedIn @FRANK-FINANCIAL-SERVICES
- YouTube @UCWMDHIGCYAIAXM8UE48RF81
- X @FRANKADVISOR

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $131,765,041 | 3 | July 14, 2021 |
| October 2022 | $142,478,800 | 2 | February 14, 2022 |
| October 2023 | $134,767,409 | 2 | January 27, 2023 |
| October 2024 | $143,268,605 | 2 | January 24, 2024 |
| October 2025 | $164,442,897 | 2 | January 28, 2025 |
| October 2026 | $188,217,262 | 2 | February 16, 2026 |

Regulatory assets under management: $131,765,041 in the October 2021 data and $188,217,262 in the October 2026 data, up 43%.
Total employees: 3 in October 2021 and 2 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $164,442,897 to $188,217,262 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Frank Financial Advisors (CRD 147537): Form ADV filing data as of October 2026.