# Inflection Financial

> Inflection Financial is an SEC-registered investment advisory firm in San Antonio, TX, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.

- CRD: 309631
- Filed as: INFLECTION FINANCIAL
- Legal name: If Advisors, LLC
- Also doing business as: IF ADVISORS
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Antonio, TX
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/309631
- AdvisorCensus page: https://advisorcensus.com/firm/inflection-financial-san-antonio-tx-309631

## Quick answers

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

**How much does Inflection Financial charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Hourly rate: $550 an hour (project-based consulting services provided to individuals or entities that are not parties to a Wealth Management Adviso). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Inflection Financial located?**
Inflection Financial's principal office is in San Antonio, TX, according to its Form ADV.

**Is Inflection Financial registered with the SEC or a state?**
Inflection Financial is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 309631.

**How much does Inflection Financial manage?**
Inflection Financial reports $491,447,684 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (99% discretionary).

**How have Inflection Financial's assets and staff changed since 2021?**
In the Form ADV data for Inflection Financial: Regulatory assets under management: $246,774,501 in the October 2021 data and $491,447,684 in the October 2026 data, up 99%. Total employees: 2 in October 2021 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Inflection Financial serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (39); pension and profit sharing plans (but not the plan participants or government pension plans) (38); individuals (other than high net worth individuals) (15).

**Which custodians does Inflection Financial use?**
Inflection Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Ascensus Trust Company, Charles Schwab & Co., Inc. and Fidelity Brokerage Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Inflection Financial 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/309631

**What changed in Inflection Financial's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $341,985,498 to $491,447,684 (+44%). Employees performing advisory functions went from 1 to 2.

## 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 31, 2026)

- Hourly rate: $550 an hour (project-based consulting services provided to individuals or entities that are not parties to a Wealth Management Adviso)

> Consulting Services: $550 per hour for project-based consulting services provided to individuals or entities that are not parties to a Wealth Management Advisory Agreement, or that request services outside the scope of any existing advisory relationship.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Ascensus Trust Company
- Charles Schwab & Co., Inc.
- Fidelity Brokerage Services 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: $491,447,684
- Discretionary: $485,408,656
- Non-discretionary: $6,039,028

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 15 | $3,042,881 |
| High net worth individuals | 39 | $195,256,927 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 38 | $293,147,876 |

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

### Firm details
- Registered since: 2020 (6 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- inflectionfinancial.com

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $246,774,501 | 2 | March 22, 2021 |
| October 2022 | $288,365,311 | 3 | March 24, 2022 |
| October 2023 | $272,377,018 | 3 | March 30, 2023 |
| October 2024 | $302,757,900 | 3 | March 12, 2024 |
| October 2025 | $341,985,498 | 3 | March 13, 2025 |
| October 2026 | $491,447,684 | 4 | March 31, 2026 |

Regulatory assets under management: $246,774,501 in the October 2021 data and $491,447,684 in the October 2026 data, up 99%.
Total employees: 2 in October 2021 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $341,985,498 to $491,447,684 (+44%).
- Employees performing advisory functions went from 1 to 2.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Inflection Financial (CRD 309631): Form ADV filing data as of October 2026.