{
  "crd_number": 127469,
  "slug": "innovative-financial-llc-lakewood-co-127469",
  "primary_business_name": "INNOVATIVE FINANCIAL, LLC",
  "legal_name": "INNOVATIVE FINANCIAL, LLC",
  "dbas": [],
  "city": "Lakewood",
  "state": "CO",
  "country": "United States",
  "cbsa_code": "19740",
  "metro": {
    "cbsa_code": "19740",
    "common_name": "Denver",
    "msa_name": "Denver-Aurora-Centennial, CO",
    "path": "/advisors/co/denver"
  },
  "registration_type": "sec",
  "registration_status": "Approved",
  "registration_date": "2026-02-06",
  "years_registered": 0,
  "period": "2026-10-01",
  "filing_date": "2026-07-01",
  "carried_forward": false,
  "raum_total": 105290978.0,
  "raum_discretionary": 105290978.0,
  "raum_non_discretionary": 0.0,
  "raum_band": "100m_500m",
  "raum_band_label": "$100 million to $500 million",
  "total_employees": 3,
  "advisory_employees": 1,
  "client_count_bucket": null,
  "clients_by_type": {
    "other": {
      "raum": 0.0,
      "count": 0
    },
    "charitable": {
      "raum": 0.0,
      "count": 0
    },
    "individuals": {
      "raum": 27589902.0,
      "count": 54
    },
    "banking_thrift": {
      "raum": 0.0,
      "count": 0
    },
    "state_municipal": {
      "raum": 0.0,
      "count": 0
    },
    "insurance_companies": {
      "raum": 0.0,
      "count": 0
    },
    "investment_companies": {
      "raum": 0.0,
      "count": 0
    },
    "pension_profit_sharing": {
      "raum": 0.0,
      "count": 0
    },
    "other_investment_advisers": {
      "raum": 0.0,
      "count": 0
    },
    "high_net_worth_individuals": {
      "raum": 77701076.0,
      "count": 61
    },
    "pooled_investment_vehicles": {
      "raum": 0.0,
      "count": 0
    },
    "corporations_other_businesses": {
      "raum": 0.0,
      "count": 0
    },
    "business_development_companies": {
      "raum": 0.0,
      "count": 0
    },
    "sovereign_wealth_foreign_official": {
      "raum": 0.0,
      "count": 0
    }
  },
  "compensation_types": [
    "fixed",
    "hourly",
    "percentage_of_aum"
  ],
  "advisory_activities": [
    "financial_planning",
    "other",
    "portfolio_management_individuals"
  ],
  "wrap_fee_participant": false,
  "disclosure_yes_count": 0,
  "states_registered": [
    "CO",
    "TX"
  ],
  "websites": [
    "https://facebook.com/INNOVATIVEFINANCIALLLC",
    "https://innovativefinancial.com",
    "https://twitter.com/FINANCIALFUTURE",
    "https://youtube.com/c/MoneyMasteryWithDeDe"
  ],
  "iapd_url": "https://adviserinfo.sec.gov/firm/summary/127469",
  "city_as_filed": "LAKEWOOD",
  "url": "https://advisorcensus.com/firm/innovative-financial-llc-lakewood-co-127469",
  "display_name": "Innovative Financial, LLC",
  "summary": "Innovative Financial, LLC is an SEC-registered investment advisory firm in Lakewood, CO, registered since 2026, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated July 1, 2026.",
  "citation": "AdvisorCensus. Innovative Financial, LLC (CRD 127469): Form ADV filing data as of October 2026.",
  "registration_type_label": "SEC-registered investment adviser",
  "compensation_labels": [
    "A percentage of assets under your management",
    "Hourly charges",
    "Fixed fees (other than subscription fees)"
  ],
  "advisory_activity_labels": [
    "Financial planning services",
    "Portfolio management for individuals and/or small businesses",
    "Other"
  ],
  "quick_answers": [
    {
      "q": "How is Innovative Financial, LLC compensated?",
      "a": "On its Form ADV (Item 5.E, October 2026), Innovative Financial, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees)."
    },
    {
      "q": "How much does Innovative Financial, LLC charge?",
      "a": "Its Form ADV Part 2A brochure dated July 1, 2026 states: Subscription: $1,000 to $10,000 a quarter (ongoing fee for Ongoing Financial Planning); Flat fee: $500 to $15,000 (Project Based Financial Planning). Fees can differ by service and may be negotiable; the brochure is the complete statement."
    },
    {
      "q": "Where is Innovative Financial, LLC located?",
      "a": "Innovative Financial, LLC's principal office is in Lakewood, CO, according to its Form ADV."
    },
    {
      "q": "Is Innovative Financial, LLC registered with the SEC or a state?",
      "a": "Innovative Financial, LLC is an SEC-registered investment advisory firm, registered since 2026. Status as filed: Approved. CRD 127469."
    },
    {
      "q": "How much does Innovative Financial, LLC manage?",
      "a": "Innovative Financial, LLC reports $105,290,978 in regulatory assets under management in its Form ADV filing dated July 1, 2026 (100% discretionary)."
    },
    {
      "q": "What types of clients does Innovative Financial, LLC serve?",
      "a": "By number of clients on Form ADV Item 5.D: high net worth individuals (61); individuals (other than high net worth individuals) (54)."
    },
    {
      "q": "Which custodians does Innovative Financial, LLC use?",
      "a": "Innovative Financial, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Fidelity Brokerage Services LLC as a custodian holding 10% or more of its separately managed account assets."
    },
    {
      "q": "Does Innovative Financial, LLC report any disciplinary disclosures?",
      "a": "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/127469"
    },
    {
      "q": "Does Innovative Financial, LLC state an account minimum?",
      "a": "Its Form ADV Part 2A brochure dated July 1, 2026 says: \"Our minimum account size requirement is $500,000 to open or maintain an account under our management. IF may reduce or waive the minimum account size requirement on a case-by-case basis.\""
    },
    {
      "q": "What changed in Innovative Financial, LLC's recent Form ADV filings?",
      "a": "In the August 2026 filing data: Updated its list of owners and control persons (Schedule A)."
    }
  ],
  "filing_history": [],
  "recent_changes": [
    {
      "period": "2026-08-01",
      "period_label": "August 2026",
      "notes": [
        "Updated its list of owners and control persons (Schedule A)."
      ]
    },
    {
      "period": "2026-03-01",
      "period_label": "March 2026",
      "notes": [
        "Newly registered with the SEC."
      ]
    }
  ],
  "fees_from_brochure": {
    "source": "Form ADV Part 2A brochure dated July 1, 2026",
    "provided_by_the_firm": false,
    "tiers": [],
    "flat_rate": null,
    "stated_range": null,
    "stated_maximum": null,
    "account_minimum": "$500,000",
    "account_minimum_may_be_waived": true,
    "minimum_annual_fee": null,
    "planning_fees": [
      "Subscription: $1,000 to $10,000 a quarter (ongoing fee for Ongoing Financial Planning)",
      "Flat fee: $500 to $15,000 (Project Based Financial Planning)"
    ],
    "figures": [
      {
        "label": "Account minimum",
        "statements": [
          "Account minimum: $500,000 (the brochure says it may be waived or negotiated)"
        ],
        "quotes": [
          "Our minimum account size requirement is $500,000 to open or maintain an account under our management. IF may reduce or waive the minimum account size requirement on a case-by-case basis."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Subscription: $1,000 to $10,000 a quarter (ongoing fee for Ongoing Financial Planning)"
        ],
        "quotes": [
          "Ongoing Financial Planning consists of an initial fee, ranging from $0 to $5,000, and an ongoing fee that is paid quarterly, in arrears, at the rate of $1,000 to $10,000 per quarter."
        ]
      },
      {
        "label": "Planning fee",
        "statements": [
          "Flat fee: $500 to $15,000 (Project Based Financial Planning)"
        ],
        "quotes": [
          "Project Based Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $500 and $15,000."
        ]
      }
    ],
    "values": {
      "tiers": [],
      "range_pct": null,
      "max_pct": null,
      "account_minimum": 500000.0,
      "minimum_annual_fee": null,
      "planning": [
        {
          "kind": "subscription",
          "amount": null,
          "min": 1000.0,
          "max": 10000.0,
          "period": "quarterly",
          "service": "ongoing fee for Ongoing Financial Planning"
        },
        {
          "kind": "flat",
          "amount": null,
          "min": 500.0,
          "max": 15000.0,
          "period": "one_time",
          "service": "Project Based Financial Planning"
        }
      ]
    },
    "quotes": [
      "Our minimum account size requirement is $500,000 to open or maintain an account under our management. IF may reduce or waive the minimum account size requirement on a case-by-case basis.",
      "Ongoing Financial Planning consists of an initial fee, ranging from $0 to $5,000, and an ongoing fee that is paid quarterly, in arrears, at the rate of $1,000 to $10,000 per quarter.",
      "Project Based Financial Planning will generally be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $500 and $15,000."
    ],
    "note": "As stated in the firm's brochure; fees can differ by service and may be negotiable."
  },
  "custodians": [
    {
      "name": "Fidelity Brokerage Services LLC",
      "name_as_filed": "FIDELITY BROKERAGE SERVICES LLC",
      "affiliated": false
    }
  ],
  "custodians_note": "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.",
  "markdown_url": "https://advisorcensus.com/firm/innovative-financial-llc-lakewood-co-127469.md",
  "clients": [
    {
      "type": "individuals",
      "label": "Individuals (other than high net worth individuals)",
      "count": 54,
      "fewer_than_5": false,
      "raum": 27589902.0
    },
    {
      "type": "high_net_worth_individuals",
      "label": "High net worth individuals",
      "count": 61,
      "fewer_than_5": false,
      "raum": 77701076.0
    },
    {
      "type": "banking_thrift",
      "label": "Banking or thrift institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "investment_companies",
      "label": "Investment companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "business_development_companies",
      "label": "Business development companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pooled_investment_vehicles",
      "label": "Pooled investment vehicles (other than investment companies and business development companies)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "pension_profit_sharing",
      "label": "Pension and profit sharing plans (but not the plan participants or government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "charitable",
      "label": "Charitable organizations",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "state_municipal",
      "label": "State or municipal government entities (including government pension plans)",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other_investment_advisers",
      "label": "Other investment advisers",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "insurance_companies",
      "label": "Insurance companies",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "sovereign_wealth_foreign_official",
      "label": "Sovereign wealth funds and foreign official institutions",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "corporations_other_businesses",
      "label": "Corporations or other businesses not listed above",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    },
    {
      "type": "other",
      "label": "Other",
      "count": 0,
      "fewer_than_5": false,
      "raum": 0.0
    }
  ],
  "disclosure_line": "Reports no disclosure items on Form ADV Item 11.",
  "disclosure_items": [],
  "indexable": true,
  "suppressed": false,
  "claimed": false,
  "enhanced": false,
  "provided_by_the_firm": null,
  "source": {
    "name": "Form ADV",
    "as_of": "2026-10-01",
    "iapd_url": "https://adviserinfo.sec.gov/firm/summary/127469",
    "operator": "BH Monitor Services, LLC",
    "license": "https://creativecommons.org/licenses/by/4.0/",
    "credit": "AdvisorCensus (advisorcensus.com), from SEC Form ADV data"
  }
}