# Metanoia Financial, LLC

> Metanoia Financial, LLC is an SEC-registered investment advisory firm, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.

- CRD: 152366
- Filed as: METANOIA FINANCIAL, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/152366
- AdvisorCensus page: https://advisorcensus.com/firm/metanoia-financial-llc-152366

## Quick answers

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

**How much does Metanoia Financial, LLC charge?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Flat fee: $1,000 to $10,000 (Financial Planning); Subscription: $200 to $1,000 a month (Comprehensive Financial Planning ongoing fee). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is Metanoia Financial, LLC registered with the SEC or a state?**
Metanoia Financial, LLC is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 152366.

**How much does Metanoia Financial, LLC manage?**
Metanoia Financial, LLC reports $138,738,666 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary).

**How have Metanoia Financial, LLC's assets and staff changed since 2025?**
In the Form ADV data for Metanoia Financial, LLC: Regulatory assets under management: $125,244,366 in the October 2025 data and $138,738,666 in the October 2026 data, up 11%. Total employees: 3 in October 2025 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Metanoia Financial, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (114); high net worth individuals (37).

**Which custodians does Metanoia Financial, LLC use?**
Metanoia Financial, 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 Metanoia Financial, 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/152366

**Does Metanoia Financial, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 31, 2026 says: "We do not impose any minimum requirements for opening/maintaining client accounts."

**What changed in Metanoia Financial, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $125,244,366 to $138,738,666 (+11%). No longer lists an office in Ardmore, PA.

## 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 31, 2026)

- Account minimum: None

> We do not impose any minimum requirements for opening/maintaining client accounts.

- Flat fee: $1,000 to $10,000 (Financial Planning)

> Financial Planning may be offered on a fixed fee basis. The fixed fee will be agreed upon before the start of any work. The fixed fee can range between $1,000 and $10,000.

- Subscription: $200 to $1,000 a month (Comprehensive Financial Planning ongoing fee)

> Comprehensive Financial Planning consists of an upfront charge of $1,000 to $10,000 and an ongoing fee that is paid monthly, in advance, at the rate of $200 to $1,000 per month.

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: $138,738,666
- Discretionary: $138,738,666
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 114 | $39,022,515 |
| High net worth individuals | 37 | $99,716,151 |

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

### Firm details
- Registered since: 2024 (1 year)
- Employees: 3 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, GA, IL, MO, NC, NJ, PA, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the October 2025 filing
- Ardmore, PA

### Websites listed on Form ADV (Item 1.I)
- metanoiafinancial.com
- Facebook @METANOIA-FINANCIAL-270394698939
- LinkedIn @BOBBYCREMINS
- X @BOBBYCREMINS

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $125,244,366 | 3 | May 30, 2025 |
| October 2026 | $138,738,666 | 3 | March 31, 2026 |

Regulatory assets under management: $125,244,366 in the October 2025 data and $138,738,666 in the October 2026 data, up 11%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $125,244,366 to $138,738,666 (+11%).
- No longer lists an office in Ardmore, PA.

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

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Metanoia Financial, LLC (CRD 152366): Form ADV filing data as of October 2026.