# Instrumental Wealth, LLC

> Instrumental Wealth, LLC is an SEC-registered investment advisory firm in Tampa, FL, registered since 2020, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 28, 2026.

- CRD: 310788
- Filed as: INSTRUMENTAL WEALTH, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Tampa, FL
- Filing period: October 2026
- Form ADV filing dated: March 28, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/310788
- AdvisorCensus page: https://advisorcensus.com/firm/instrumental-wealth-llc-tampa-fl-310788

## Quick answers

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

**How much does Instrumental Wealth, LLC charge?**
Its Form ADV Part 2A brochure dated March 28, 2026 states: Flat fee: $1,000 to $15,000 (financial planning and consulting services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Instrumental Wealth, LLC located?**
Instrumental Wealth, LLC's principal office is in Tampa, FL, according to its Form ADV.

**Is Instrumental Wealth, LLC registered with the SEC or a state?**
Instrumental Wealth, LLC is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 310788.

**How much does Instrumental Wealth, LLC manage?**
Instrumental Wealth, LLC reports $507,996,008 in regulatory assets under management in its Form ADV filing dated March 28, 2026 (100% discretionary).

**How have Instrumental Wealth, LLC's assets and staff changed since 2021?**
In the Form ADV data for Instrumental Wealth, LLC: Regulatory assets under management: $132,780,712 in the October 2021 data and $507,996,008 in the October 2026 data, up 283%. Total employees: 6 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 Instrumental Wealth, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (452); high net worth individuals (116); corporations or other businesses not listed above (3).

**Which custodians does Instrumental Wealth, LLC use?**
Instrumental Wealth, 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.

**Does Instrumental Wealth, LLC 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/310788

**Does Instrumental Wealth, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 28, 2026 says: "In general, we require a minimum of $250,000 to open and maintain an advisory account. At our discretion, we may waive this minimum account size."

**What changed in Instrumental Wealth, LLC's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 4 to 5. Regulatory assets under management went from $397,079,061 to $507,996,008 (+28%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 28, 2026)

- Account minimum: $250,000 (the brochure says it may be waived or negotiated)

> In general, we require a minimum of $250,000 to open and maintain an advisory account. At our discretion, we may waive this minimum account size.

- Flat fee: $1,000 to $15,000 (financial planning and consulting services)

> Instrumental Wealth charges a fixed fee for providing financial planning and consulting services. These fees are negotiable, but range from $1,000 to $15,000

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

### Custodians (Schedule D, Section 5.K(3))
- 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: $507,996,008
- Discretionary: $507,295,520
- Non-discretionary: $700,488

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 452 | $141,428,532 |
| High net worth individuals | 116 | $350,335,113 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $471,461 |
| Charitable organizations | 1 | $4,282,186 |
| Corporations or other businesses not listed above | 3 | $11,478,716 |

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

### Firm details
- Registered since: 2020 (5 years)
- Employees: 12 total, 5 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, MD, NC, NY, PA, SC, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- instrumentalwealth.com
- Facebook @InstrumentalWealth
- Instagram @instrumental_wealth
- LinkedIn @instrumentalwealth
- YouTube @UCMulfpjnPX_74JiH7fl9aXQ

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $132,780,712 | 6 | January 28, 2021 |
| October 2022 | $193,774,720 | 9 | September 2, 2022 |
| October 2023 | $282,055,866 | 9 | September 1, 2023 |
| October 2024 | $345,348,919 | 9 | March 25, 2024 |
| October 2025 | $397,079,061 | 10 | June 6, 2025 |
| October 2026 | $507,996,008 | 12 | March 28, 2026 |

Regulatory assets under management: $132,780,712 in the October 2021 data and $507,996,008 in the October 2026 data, up 283%.
Total employees: 6 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 4 to 5.
- Regulatory assets under management went from $397,079,061 to $507,996,008 (+28%).

### January 2026
- No longer registered or notice-filed in LA, MI.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Instrumental Wealth, LLC (CRD 310788): Form ADV filing data as of October 2026.