# South Cove Financial, LLC

> South Cove 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 September 28, 2026.

- CRD: 284554
- Filed as: SOUTH COVE FINANCIAL, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: September 28, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/284554
- AdvisorCensus page: https://advisorcensus.com/firm/south-cove-financial-llc-284554

## Quick answers

**How is South Cove Financial, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), South Cove Financial, LLC reports these compensation arrangements: a percentage of assets under its management. The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Is South Cove Financial, LLC registered with the SEC or a state?**
South Cove Financial, LLC is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 284554.

**How much does South Cove Financial, LLC manage?**
South Cove Financial, LLC reports $168,400,000 in regulatory assets under management in its Form ADV filing dated September 28, 2026 (100% discretionary).

**How have South Cove Financial, LLC's assets and staff changed since 2025?**
In the Form ADV data for South Cove Financial, LLC: Regulatory assets under management: $145,000,000 in the October 2025 data and $168,400,000 in the October 2026 data, up 16%. 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 South Cove Financial, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (193); high net worth individuals (15).

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

**Does South Cove 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/284554

**What changed in South Cove Financial, LLC's recent Form ADV filings?**
In the October 2026 filing data: Regulatory assets under management went from $145,000,000 to $168,400,000 (+16%). Added an office in Seattle, WA. No longer lists an office in Federal Way, WA.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab

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: $168,400,000
- Discretionary: $168,400,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 193 | $128,500,000 |
| High net worth individuals | 15 | $39,900,000 |
| Other | 0 | $0 |

### 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

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

### Other offices (Schedule D, Section 1.F), as of the October 2026 filing
- Seattle, WA

### Websites listed on Form ADV (Item 1.I)
- southcovefinancial.com/advisors

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2025 | $145,000,000 | 3 | July 28, 2025 |
| October 2026 | $168,400,000 | 3 | September 28, 2026 |

Regulatory assets under management: $145,000,000 in the October 2025 data and $168,400,000 in the October 2026 data, up 16%.
Total employees: 3 in October 2025 and 3 in October 2026.

## Changes in the filing (last 12 months)

### October 2026
- Regulatory assets under management went from $145,000,000 to $168,400,000 (+16%).
- Added an office in Seattle, WA.
- No longer lists an office in Federal Way, WA.

### November 2025
- Added an office in Federal Way, WA.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. South Cove Financial, LLC (CRD 284554): Form ADV filing data as of October 2026.