# Spyrnal Financial Group

> Spyrnal Financial Group is an SEC-registered investment advisory firm in Bokeelia, FL, registered since 2024, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 20, 2026.

- CRD: 299957
- Filed as: SPYRNAL FINANCIAL GROUP
- Legal name: Spyrnal Wealth Management, LLC
- Also doing business as: SNOWBIRD RETIREMENT
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Bokeelia, FL
- Filing period: October 2026
- Form ADV filing dated: March 20, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/299957
- AdvisorCensus page: https://advisorcensus.com/firm/spyrnal-financial-group-bokeelia-fl-299957

## Quick answers

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

**Where is Spyrnal Financial Group located?**
Spyrnal Financial Group's principal office is in Bokeelia, FL, according to its Form ADV.

**Is Spyrnal Financial Group registered with the SEC or a state?**
Spyrnal Financial Group is an SEC-registered investment advisory firm, registered since 2024. Status as filed: Approved. CRD 299957.

**How much does Spyrnal Financial Group manage?**
Spyrnal Financial Group reports $145,500,000 in regulatory assets under management in its Form ADV filing dated March 20, 2026 (95% discretionary).

**How have Spyrnal Financial Group's assets and staff changed since 2024?**
In the Form ADV data for Spyrnal Financial Group: Regulatory assets under management: $107,900,000 in the October 2024 data and $145,500,000 in the October 2026 data, up 35%. Total employees: 2 in October 2024 and 4 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Spyrnal Financial Group serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (352); high net worth individuals (35).

**Which custodians does Spyrnal Financial Group use?**
Spyrnal Financial Group'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 Spyrnal Financial Group 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/299957

**Does Spyrnal Financial Group state an account minimum?**
Its Form ADV Part 2A brochure dated March 20, 2026 says: "Our minimum account size requirement is $100,000. We may waive this requirement in certain situations."

**What changed in Spyrnal Financial Group's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $117,884,000 to $145,500,000 (+23%).

## 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 20, 2026)

- Account minimum: $100,000 (the brochure says it may be waived or negotiated)

> Our minimum account size requirement is $100,000. We may waive this requirement in certain situations.

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: $145,500,000
- Discretionary: $137,500,000
- Non-discretionary: $8,000,000

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 352 | $73,600,000 |
| High net worth individuals | 35 | $68,000,000 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | Fewer than 5 | $3,900,000 |

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

### Firm details
- Registered since: 2024 (2 years)
- Employees: 4 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, IL, MI, MN, NC, NH, PA, TX, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [snowbirdretirement.com](https://snowbirdretirement.com)
- [spyrnalfinancialgroup.com](https://spyrnalfinancialgroup.com)
- Facebook @snowbirdretirement
- Facebook @spyrnalFG
- LinkedIn @spyrnal-financial-group
- X @snowbirdretire

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2024 | $107,900,000 | 2 | February 20, 2024 |
| October 2025 | $117,884,000 | 4 | June 13, 2025 |
| October 2026 | $145,500,000 | 4 | March 20, 2026 |

Regulatory assets under management: $107,900,000 in the October 2024 data and $145,500,000 in the October 2026 data, up 35%.
Total employees: 2 in October 2024 and 4 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $117,884,000 to $145,500,000 (+23%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Spyrnal Financial Group (CRD 299957): Form ADV filing data as of October 2026.