# Front Porch Financial Advisory

> Front Porch Financial Advisory is an SEC-registered investment advisory firm in Charlotte, NC, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 5, 2026.

- CRD: 311329
- Filed as: FRONT PORCH FINANCIAL ADVISORY
- Legal name: FPF FA L.L.C.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Charlotte, NC
- Filing period: October 2026
- Form ADV filing dated: January 5, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/311329
- AdvisorCensus page: https://advisorcensus.com/firm/front-porch-financial-advisory-charlotte-nc-311329

## Quick answers

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

**How much does Front Porch Financial Advisory charge?**
Its Form ADV Part 2A brochure dated January 5, 2026 states: Flat fee: $2,500 to $10,000 (creating client financial plans). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Front Porch Financial Advisory located?**
Front Porch Financial Advisory's principal office is in Charlotte, NC, according to its Form ADV.

**Is Front Porch Financial Advisory registered with the SEC or a state?**
Front Porch Financial Advisory is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 311329.

**How much does Front Porch Financial Advisory manage?**
Front Porch Financial Advisory reports $181,283,949 in regulatory assets under management in its Form ADV filing dated January 5, 2026 (63% discretionary).

**How have Front Porch Financial Advisory's assets and staff changed since 2024?**
In the Form ADV data for Front Porch Financial Advisory: Regulatory assets under management: $123,444,512 in the October 2024 data and $181,283,949 in the October 2026 data, up 47%. Total employees: 1 in October 2024 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Front Porch Financial Advisory serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (66); high net worth individuals (48); pension and profit sharing plans (but not the plan participants or government pension plans) (17).

**Which custodians does Front Porch Financial Advisory use?**
Front Porch Financial Advisory's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., Vanguard Group Inc and Voya Retirement Advisors, LLC as custodians holding 10% or more of its separately managed account assets.

**Does Front Porch Financial Advisory 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/311329

**What changed in Front Porch Financial Advisory's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $143,685,737 to $181,283,949 (+26%).

## 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 5, 2026)

- Flat fee: $2,500 to $10,000 (creating client financial plans)

> The negotiated fixed rate for creating client financial plans is between $2,500 and $10,000.

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.
- Vanguard Group Inc
- Voya Retirement Advisors, LLC

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: $181,283,949
- Discretionary: $113,899,379
- Non-discretionary: $67,384,570

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 66 | $22,866,473 |
| High net worth individuals | 48 | $90,117,854 |
| 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) | 17 | $67,384,570 |
| Charitable organizations | 0 | $0 |
| 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 | 1 | $915,052 |
| Other | 0 | $0 |

### 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: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NC, SC, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

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

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $123,444,512 | 1 | July 16, 2024 |
| October 2025 | $143,685,737 | 1 | July 30, 2025 |
| October 2026 | $181,283,949 | 1 | January 5, 2026 |

Regulatory assets under management: $123,444,512 in the October 2024 data and $181,283,949 in the October 2026 data, up 47%.
Total employees: 1 in October 2024 and 1 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $143,685,737 to $181,283,949 (+26%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Front Porch Financial Advisory (CRD 311329): Form ADV filing data as of October 2026.