# Natural Bridges Financial Advisors

> Natural Bridges Financial Advisors is an SEC-registered investment advisory firm in Santa Cruz, CA, registered since 2025, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated June 10, 2026.

- CRD: 148056
- Filed as: NATURAL BRIDGES FINANCIAL ADVISORS
- Legal name: Natural Bridges Financial Advisors LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Santa Cruz, CA
- Filing period: October 2026
- Form ADV filing dated: June 10, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/148056
- AdvisorCensus page: https://advisorcensus.com/firm/natural-bridges-financial-advisors-santa-cruz-ca-148056

## Quick answers

**How is Natural Bridges Financial Advisors compensated?**
On its Form ADV (Item 5.E, October 2026), Natural Bridges Financial Advisors reports these compensation arrangements: fixed fees (other than subscription fees).

**Where is Natural Bridges Financial Advisors located?**
Natural Bridges Financial Advisors' principal office is in Santa Cruz, CA, according to its Form ADV.

**Is Natural Bridges Financial Advisors registered with the SEC or a state?**
Natural Bridges Financial Advisors is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 148056.

**How much does Natural Bridges Financial Advisors manage?**
Natural Bridges Financial Advisors reports $155,788,020 in regulatory assets under management in its Form ADV filing dated June 10, 2026 (100% discretionary).

**How have Natural Bridges Financial Advisors' assets and staff changed since 2025?**
In the Form ADV data for Natural Bridges Financial Advisors: Regulatory assets under management: $106,322,572 in the October 2025 data and $155,788,020 in the October 2026 data, up 47%. 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 Natural Bridges Financial Advisors serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (74); individuals (other than high net worth individuals) (6).

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

**Does Natural Bridges Financial Advisors 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/148056

**Does Natural Bridges Financial Advisors state an account minimum?**
Its Form ADV Part 2A brochure dated February 13, 2026 says: "Advisor provides holistic financial planning and investment advisory services primarily to individuals and families. We maintain no minimum net-worth or asset requirements."

**What changed in Natural Bridges Financial Advisors' recent Form ADV filings?**
In the March 2026 filing data: Employees performing advisory functions went from 2 to 3. Regulatory assets under management went from $106,322,572 to $155,788,020 (+47%). Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated February 13, 2026)

- Account minimum: None

> Advisor provides holistic financial planning and investment advisory services primarily to individuals and families. We maintain no minimum net-worth or asset requirements.

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

### Custodians (Schedule D, Section 5.K(3))
- Altruist Financial 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: $155,788,020
- Discretionary: $155,788,020
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 6 | $2,797,611 |
| High net worth individuals | 74 | $152,990,409 |

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

### Firm details
- Registered since: 2025 (1 year)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- naturalbridgesfa.com
- LinkedIn @amanda-bikul-4207b930a
- LinkedIn @anabeldiazcfp
- LinkedIn @chris-wentzien-cpa-pfs-cfp®-mba-7109192
- LinkedIn @sarah-brown-69a6085b

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $106,322,572 | 3 | May 7, 2025 |
| October 2026 | $155,788,020 | 3 | June 10, 2026 |

Regulatory assets under management: $106,322,572 in the October 2025 data and $155,788,020 in the October 2026 data, up 47%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Employees performing advisory functions went from 2 to 3.
- Regulatory assets under management went from $106,322,572 to $155,788,020 (+47%).
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Natural Bridges Financial Advisors (CRD 148056): Form ADV filing data as of October 2026.