# Terraform Wealth, LLC

> Terraform Wealth, LLC is an SEC-registered investment advisory firm in Houston, TX, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 25, 2026.

- CRD: 325530
- Filed as: TERRAFORM WEALTH, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Houston, TX
- Filing period: October 2026
- Form ADV filing dated: March 25, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/325530
- AdvisorCensus page: https://advisorcensus.com/firm/terraform-wealth-llc-houston-tx-325530

## Quick answers

**How is Terraform Wealth, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Terraform Wealth, LLC reports these compensation arrangements: a percentage of assets under its management.

**How much does Terraform Wealth, LLC charge?**
Its Form ADV Part 2A brochure dated March 25, 2026 states: Up to $4,999,999: 1.5% a year; $5,000,000 to $9,999,999: 1.25% a year; Above $10,000,000: 1% a year. Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Terraform Wealth, LLC located?**
Terraform Wealth, LLC's principal office is in Houston, TX, according to its Form ADV.

**Is Terraform Wealth, LLC registered with the SEC or a state?**
Terraform Wealth, LLC is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 325530.

**How much does Terraform Wealth, LLC manage?**
Terraform Wealth, LLC reports $207,543,770 in regulatory assets under management in its Form ADV filing dated March 25, 2026 (79% discretionary).

**How have Terraform Wealth, LLC's assets and staff changed since 2023?**
In the Form ADV data for Terraform Wealth, LLC: Regulatory assets under management: $151,916,768 in the October 2023 data and $207,543,770 in the October 2026 data, up 37%. Total employees: 2 in October 2023 and 2 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Terraform Wealth, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (5); individuals (other than high net worth individuals) (4); pension and profit sharing plans (but not the plan participants or government pension plans) (1).

**Which custodians does Terraform Wealth, LLC use?**
Terraform Wealth, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc., J.P. Morgan Securities LLC and Morgan Stanley as custodians holding 10% or more of its separately managed account assets.

**Does Terraform Wealth, 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/325530

**Does Terraform Wealth, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated March 25, 2026 says: "There is no account minimum for any of TWL’s services."

**What changed in Terraform Wealth, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $182,215,007 to $207,543,770 (+14%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated March 25, 2026)

- Up to $4,999,999: 1.5% a year
- $5,000,000 to $9,999,999: 1.25% a year
- Above $10,000,000: 1% a year

> $0 - $4,999,999 1.50% $5,000,000 - $9,999,999 1.25% $10,000,000 - AND UP 1.00%

- Account minimum: None

> There is no account minimum for any of TWL’s services.

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.
- J.P. Morgan Securities LLC
- Morgan Stanley

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: $207,543,770
- Discretionary: $164,084,570
- Non-discretionary: $43,459,200

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 4 | $498,390 |
| High net worth individuals | 5 | $206,939,380 |
| 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) | 1 | $0 |
| Charitable organizations | Fewer than 5 | $106,000 |
| 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)
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2023 (3 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: FL, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $151,916,768 | 2 | September 6, 2023 |
| October 2024 | $173,240,017 | 2 | July 1, 2024 |
| October 2025 | $182,215,007 | 2 | March 7, 2025 |
| October 2026 | $207,543,770 | 2 | March 25, 2026 |

Regulatory assets under management: $151,916,768 in the October 2023 data and $207,543,770 in the October 2026 data, up 37%.
Total employees: 2 in October 2023 and 2 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $182,215,007 to $207,543,770 (+14%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Terraform Wealth, LLC (CRD 325530): Form ADV filing data as of October 2026.