# Secure Financial Management

> Secure Financial Management is an SEC-registered investment advisory firm in San Antonio, TX, registered since 2021, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated August 18, 2026.

- CRD: 169278
- Filed as: SECURE FINANCIAL MANAGEMENT
- Legal name: Kirkwood Financial Services LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: San Antonio, TX
- Filing period: October 2026
- Form ADV filing dated: August 18, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/169278
- AdvisorCensus page: https://advisorcensus.com/firm/secure-financial-management-san-antonio-tx-169278

## Quick answers

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

**How much does Secure Financial Management charge?**
Its Form ADV Part 2A brochure dated August 18, 2026 states: Asset-based fee: 0.8% to 1.5% a year (a range, as the brochure states it). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Secure Financial Management located?**
Secure Financial Management's principal office is in San Antonio, TX, according to its Form ADV.

**Is Secure Financial Management registered with the SEC or a state?**
Secure Financial Management is an SEC-registered investment advisory firm, registered since 2021. Status as filed: Approved. CRD 169278.

**How much does Secure Financial Management manage?**
Secure Financial Management reports $399,765,022 in regulatory assets under management in its Form ADV filing dated August 18, 2026 (100% discretionary).

**How have Secure Financial Management's assets and staff changed since 2021?**
In the Form ADV data for Secure Financial Management: Regulatory assets under management: $110,901,830 in the October 2021 data and $399,765,022 in the October 2026 data, up 260%. Total employees: 2 in October 2021 and 12 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Secure Financial Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (468); high net worth individuals (116).

**Which custodians does Secure Financial Management use?**
Secure Financial Management'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 Secure Financial 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/169278

**Does Secure Financial Management state an account minimum?**
Its Form ADV Part 2A brochure dated August 18, 2026 says: "Secure Financial Management requires a minimum of $250,000 to open an account. To reach this account minimum, clients can aggregate all household accounts."

**What changed in Secure Financial Management's recent Form ADV filings?**
In the April 2026 filing data: Changed its legal name from Kirkwood Financial Services to Kirkwood Financial Services LLC. Employees performing advisory functions went from 3 to 4. Regulatory assets under management went from $313,694,939 to $399,765,022 (+27%).

## 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 August 18, 2026)

- Asset-based fee: 0.8% to 1.5% a year (a range, as the brochure states it)

> The annual fee for asset management services will be between 0.80% and 1.50%

- Account minimum: $250,000

> Secure Financial Management requires a minimum of $250,000 to open an account. To reach this account minimum, clients can aggregate all household accounts.

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: $399,765,022
- Discretionary: $399,765,022
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 468 | $196,485,011 |
| High net worth individuals | 116 | $203,280,011 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2021 (5 years)
- Employees: 12 total, 4 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [open.spotify.com/show/0M0zhV7jusB7sGbTYXj4RH](https://open.spotify.com/show/0M0zhV7jusB7sGbTYXj4RH)
- [podcasts.apple.com/us/podcast/clear-skies-retirement/id1747374929](https://podcasts.apple.com/us/podcast/clear-skies-retirement/id1747374929)
- [sfmplanning.com](https://sfmplanning.com)
- Facebook @sfmplanning.com
- Instagram @sfmplanning
- LinkedIn @secure-financial-management
- TikTok @securefinancialmgmt
- X @sfmplanning
- YouTube @sfmplanning523

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $110,901,830 | 2 | March 25, 2021 |
| October 2022 | $164,398,425 | 4 | March 30, 2022 |
| October 2023 | $220,905,167 | 4 | March 8, 2023 |
| October 2024 | $281,402,832 | 4 | June 24, 2024 |
| October 2025 | $313,694,939 | 9 | March 3, 2025 |
| October 2026 | $399,765,022 | 12 | August 18, 2026 |

Regulatory assets under management: $110,901,830 in the October 2021 data and $399,765,022 in the October 2026 data, up 260%.
Total employees: 2 in October 2021 and 12 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Changed its legal name from Kirkwood Financial Services to Kirkwood Financial Services LLC.
- Employees performing advisory functions went from 3 to 4.
- Regulatory assets under management went from $313,694,939 to $399,765,022 (+27%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Secure Financial Management (CRD 169278): Form ADV filing data as of October 2026.