# Meld Financial, Inc.

> Meld Financial, Inc. is an SEC-registered investment advisory firm in Birmingham, AL, registered since 2004, reporting $500 million to $1 billion in regulatory assets under management in its Form ADV filing dated March 24, 2026.

- CRD: 118896
- Filed as: MELD FINANCIAL, INC.
- Also doing business as: BROOKSTONE WEALTH MANAGEMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Birmingham, AL
- Filing period: October 2026
- Form ADV filing dated: March 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/118896
- AdvisorCensus page: https://advisorcensus.com/firm/meld-financial-inc-birmingham-al-118896

## Quick answers

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

**How much does Meld Financial, Inc. charge?**
Its Form ADV Part 2A brochure dated March 24, 2026 states: Flat fee: up to $2,500 (financial planning services); Hourly rate: $250 an hour (individual consultations). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Meld Financial, Inc. located?**
Meld Financial, Inc.'s principal office is in Birmingham, AL, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Meld Financial, Inc. registered with the SEC or a state?**
Meld Financial, Inc. is an SEC-registered investment advisory firm, registered since 2004. Status as filed: Approved. CRD 118896.

**How much does Meld Financial, Inc. manage?**
Meld Financial, Inc. reports $776,399,278 in regulatory assets under management in its Form ADV filing dated March 24, 2026 (100% discretionary).

**How have Meld Financial, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Meld Financial, Inc.: Regulatory assets under management: $427,093,716 in the October 2021 data and $776,399,278 in the October 2026 data, up 82%. Total employees: 10 in October 2021 and 15 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Meld Financial, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (827); high net worth individuals (287); corporations or other businesses not listed above (10).

**Which custodians does Meld Financial, Inc. use?**
Meld Financial, Inc.'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 Meld Financial, 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/118896

**What changed in Meld Financial, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 11 to 10. Regulatory assets under management went from $689,572,507 to $776,399,278 (+13%). 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 24, 2026)

- Flat fee: up to $2,500 (financial planning services)

> We charge a fixed fee for financial planning services, which generally ranges up to $2,500.

- Hourly rate: $250 an hour (individual consultations)

> We charge an hourly fee of $250 for individual consultations, which is negotiable depending on the scope and complexity of the plan, your situation, and your financial objectives.

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: $776,399,278
- Discretionary: $776,399,278
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 827 | $255,704,008 |
| High net worth individuals | 287 | $485,017,518 |
| Charitable organizations | 2 | $2,951,646 |
| State or municipal government entities (including government pension plans) | 4 | $3,369,288 |
| Corporations or other businesses not listed above | 10 | $29,356,818 |

### 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
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops
- Other

### Firm details
- Registered since: 2004 (22 years)
- Employees: 15 total, 10 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, CA, CO, FL, GA, IN, LA, MS, NC, NE, NY, SC, TN, TX, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Columbus, GA

### Websites listed on Form ADV (Item 1.I)
- brookstonewealth.com
- meldfinancial.com
- Facebook @BROOKSTONEWEALTH
- Facebook @MELDFINANCIAL
- Instagram @MELD
- LinkedIn @1658895
- X @PLANWITHMELD
- YouTube @MELDFINANCIAL

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $427,093,716 | 10 | March 30, 2021 |
| October 2022 | $585,944,667 | 11 | March 22, 2022 |
| October 2023 | $512,276,768 | 13 | June 22, 2023 |
| October 2024 | $594,413,274 | 11 | March 8, 2024 |
| October 2025 | $689,572,507 | 15 | July 29, 2025 |
| October 2026 | $776,399,278 | 15 | March 24, 2026 |

Regulatory assets under management: $427,093,716 in the October 2021 data and $776,399,278 in the October 2026 data, up 82%.
Total employees: 10 in October 2021 and 15 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 11 to 10.
- Regulatory assets under management went from $689,572,507 to $776,399,278 (+13%).
- Updated its list of owners and control persons (Schedule A).

### December 2025
- Registered or notice-filed in CO.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Meld Financial, Inc. (CRD 118896): Form ADV filing data as of October 2026.