# Kirtland Financial Management, Inc.

> Kirtland Financial Management, Inc. is an SEC-registered investment advisory firm in Coral Gables, FL, registered since 2004, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 24, 2026.

- CRD: 131138
- Filed as: KIRTLAND FINANCIAL MANAGEMENT, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Coral Gables, FL
- Filing period: October 2026
- Form ADV filing dated: March 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/131138
- AdvisorCensus page: https://advisorcensus.com/firm/kirtland-financial-management-inc-coral-gables-fl-131138

## Quick answers

**How is Kirtland Financial Management, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Kirtland Financial Management, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges.

**How much does Kirtland Financial Management, Inc. charge?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Hourly rate: $250 an hour (financial planning services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Kirtland Financial Management, Inc. located?**
Kirtland Financial Management, Inc.'s principal office is in Coral Gables, FL, according to its Form ADV.

**Is Kirtland Financial Management, Inc. registered with the SEC or a state?**
Kirtland Financial Management, Inc. is an SEC-registered investment advisory firm, registered since 2004. Status as filed: Approved. CRD 131138.

**How much does Kirtland Financial Management, Inc. manage?**
Kirtland Financial Management, Inc. reports $396,123,255 in regulatory assets under management in its Form ADV filing dated March 24, 2026 (86% discretionary).

**How have Kirtland Financial Management, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Kirtland Financial Management, Inc.: Regulatory assets under management: $289,021,405 in the October 2021 data and $396,123,255 in the October 2026 data, up 37%. Total employees: 5 in October 2021 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Kirtland Financial Management, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (109); high net worth individuals (92).

**Which custodians does Kirtland Financial Management, Inc. use?**
Kirtland Financial Management, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Raymond James & Associates, Inc. and Raymond James Trust Company of NH as custodians holding 10% or more of its separately managed account assets.

**Does Kirtland Financial Management, Inc. 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/131138

**Does Kirtland Financial Management, Inc. state an account minimum?**
Its Form ADV Part 2A brochure dated March 24, 2026 says: "KFM requires a minimum initial investment of $500,000 to open any managed account. However, this minimum may be waived under certain circumstances."

**What changed in Kirtland Financial Management, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $327,567,859 to $396,123,255 (+21%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges

### Fees and minimums (Form ADV Part 2A brochure dated March 24, 2026)

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

> KFM requires a minimum initial investment of $500,000 to open any managed account. However, this minimum may be waived under certain circumstances.

- Hourly rate: $250 an hour (financial planning services)

> KFM’s financial planning services are offered at $250 per hour.

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

### Custodians (Schedule D, Section 5.K(3))
- Raymond James & Associates, Inc.
- Raymond James Trust Company of NH

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: $396,123,255
- Discretionary: $339,490,403
- Non-discretionary: $56,632,852

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 109 | $23,669,272 |
| High net worth individuals | 92 | $356,337,817 |
| 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 |
| Charitable organizations | Fewer than 5 | $16,116,166 |
| 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 | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2004 (22 years)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, GA, LA, NC, NH, NY, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

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

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $289,021,405 | 5 | July 21, 2021 |
| October 2022 | $308,471,310 | 5 | June 3, 2022 |
| October 2023 | $276,446,741 | 5 | August 7, 2023 |
| October 2024 | $296,660,095 | 4 | February 29, 2024 |
| October 2025 | $327,567,859 | 4 | March 11, 2025 |
| October 2026 | $396,123,255 | 3 | March 24, 2026 |

Regulatory assets under management: $289,021,405 in the October 2021 data and $396,123,255 in the October 2026 data, up 37%.
Total employees: 5 in October 2021 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $327,567,859 to $396,123,255 (+21%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Kirtland Financial Management, Inc. (CRD 131138): Form ADV filing data as of October 2026.