# Magnolia Capital Management

> Magnolia Capital Management is an SEC-registered investment advisory firm in Cold Spring, NY, registered since 2006, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated September 1, 2026.

- CRD: 119597
- Filed as: MAGNOLIA CAPITAL MANAGEMENT
- Legal name: Magnolia Capital Management, Ltd.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Cold Spring, NY
- Filing period: October 2026
- Form ADV filing dated: September 1, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/119597
- AdvisorCensus page: https://advisorcensus.com/firm/magnolia-capital-management-cold-spring-ny-119597

## Quick answers

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

**How much does Magnolia Capital Management charge?**
Its Form ADV Part 2A brochure dated March 23, 2026 states: Hourly rate: $250 an hour (comprehensive financial plan for the client). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Magnolia Capital Management located?**
Magnolia Capital Management's principal office is in Cold Spring, NY, according to its Form ADV.

**Is Magnolia Capital Management registered with the SEC or a state?**
Magnolia Capital Management is an SEC-registered investment advisory firm, registered since 2006. Status as filed: Approved. CRD 119597.

**How much does Magnolia Capital Management manage?**
Magnolia Capital Management reports $227,677,130 in regulatory assets under management in its Form ADV filing dated September 1, 2026 (87% discretionary).

**How have Magnolia Capital Management's assets and staff changed since 2021?**
In the Form ADV data for Magnolia Capital Management: Regulatory assets under management: $197,761,312 in the October 2021 data and $227,677,130 in the October 2026 data, up 15%. Total employees: 3 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 Magnolia Capital Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (30); high net worth individuals (27); charitable organizations (2).

**Does Magnolia Capital Management 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/119597

**What changed in Magnolia Capital Management's recent Form ADV filings?**
In the October 2026 filing data: Updated its list of owners and control persons (Schedule A).

## 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 23, 2026)

- Hourly rate: $250 an hour (comprehensive financial plan for the client)

> When the client wishes Magnolia Capital Management, Ltd. to undertake a comprehensive financial plan for the client (which may entail working with the client's tax and legal advisors), fees are usually assessed on a per hour basis, depending on the complexity of the assignment, plus out-of-pocket expenses (generally $250 per hour).

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

### Regulatory assets under management (Item 5.F)
- Total: $227,677,130
- Discretionary: $198,507,960
- Non-discretionary: $29,169,170

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 30 | $12,913,009 |
| High net worth individuals | 27 | $118,776,669 |
| Banking or thrift institutions | 0 | Not reported |
| Investment companies | 0 | Not reported |
| Business development companies | 0 | Not reported |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | Not reported |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | Not reported |
| Charitable organizations | 2 | $10,659,619 |
| State or municipal government entities (including government pension plans) | 0 | Not reported |
| Other investment advisers | 0 | Not reported |
| Insurance companies | 0 | Not reported |
| Sovereign wealth funds and foreign official institutions | 0 | Not reported |
| Corporations or other businesses not listed above | 2 | $85,327,833 |

### 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: 2006 (20 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [magnoliacapitalmanagement.com](https://magnoliacapitalmanagement.com)

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $197,761,312 | 3 | July 16, 2021 |
| October 2022 | $240,516,649 | 3 | March 28, 2022 |
| October 2023 | $192,122,584 | 3 | June 12, 2023 |
| October 2024 | $202,017,680 | 3 | March 28, 2024 |
| October 2025 | $218,439,946 | 3 | July 8, 2025 |
| October 2026 | $227,677,130 | 3 | September 1, 2026 |

Regulatory assets under management: $197,761,312 in the October 2021 data and $227,677,130 in the October 2026 data, up 15%.
Total employees: 3 in October 2021 and 3 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Updated its list of owners and control persons (Schedule A).

### April 2026
- Updated its list of owners and control persons (Schedule A).

### December 2025
- Employees performing advisory functions went from 2 to 3.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Magnolia Capital Management (CRD 119597): Form ADV filing data as of October 2026.