# Kral Financial Advisors, LLC

> Kral Financial Advisors, LLC is an SEC-registered investment advisory firm in Plymouth, MI, registered since 2006, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 21, 2026.

- CRD: 138959
- Filed as: KRAL FINANCIAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Plymouth, MI
- Filing period: October 2026
- Form ADV filing dated: March 21, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/138959
- AdvisorCensus page: https://advisorcensus.com/firm/kral-financial-advisors-llc-plymouth-mi-138959

## Quick answers

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

**How much does Kral Financial Advisors, LLC charge?**
Its Form ADV Part 2A brochure dated March 21, 2026 states: Hourly rate: $300 an hour (Financial Planning and Consultation Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Kral Financial Advisors, LLC located?**
Kral Financial Advisors, LLC's principal office is in Plymouth, MI, according to its Form ADV.

**Is Kral Financial Advisors, LLC registered with the SEC or a state?**
Kral Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 138959.

**How much does Kral Financial Advisors, LLC manage?**
Kral Financial Advisors, LLC reports $247,408,500 in regulatory assets under management in its Form ADV filing dated March 21, 2026 (95% discretionary).

**How have Kral Financial Advisors, LLC's assets and staff changed since 2021?**
In the Form ADV data for Kral Financial Advisors, LLC: Regulatory assets under management: $204,520,000 in the October 2021 data and $247,408,500 in the October 2026 data, up 21%. Total employees: 1 in October 2021 and 1 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Kral Financial Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (55).

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

**Does Kral Financial Advisors, 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/138959

**Does Kral Financial Advisors, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 21, 2026 says: "There is no minimum asset size for our financial planning or investment management services."

**What changed in Kral Financial Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $218,639,000 to $247,408,500 (+13%).

## 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 21, 2026)

- Account minimum: None

> There is no minimum asset size for our financial planning or investment management services.

- Hourly rate: $300 an hour (Financial Planning and Consultation Services)

> Currently, the hourly rate for Financial Planning and Consultation Services is $300 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))
- Charles Schwab & Co., Inc.

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: $247,408,500
- Discretionary: $234,671,800
- Non-discretionary: $12,736,700

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | Fewer than 5 | $1,915,600 |
| High net worth individuals | 55 | $245,492,900 |

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

### Firm details
- Registered since: 2006 (20 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, MI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $204,520,000 | 1 | March 22, 2021 |
| October 2022 | $216,292,000 | 1 | March 17, 2022 |
| October 2023 | $176,476,000 | 1 | March 14, 2023 |
| October 2024 | $199,665,000 | 1 | March 15, 2024 |
| October 2025 | $218,639,000 | 1 | March 7, 2025 |
| October 2026 | $247,408,500 | 1 | March 21, 2026 |

Regulatory assets under management: $204,520,000 in the October 2021 data and $247,408,500 in the October 2026 data, up 21%.
Total employees: 1 in October 2021 and 1 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $218,639,000 to $247,408,500 (+13%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Kral Financial Advisors, LLC (CRD 138959): Form ADV filing data as of October 2026.