# Varra Financial

> Varra Financial is an SEC-registered investment advisory firm in Louisville, CO, registered since 2022, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated May 22, 2026.

- CRD: 324044
- Filed as: VARRA FINANCIAL
- Legal name: Varra Wealth Management LLC
- Also doing business as: VARRA FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Louisville, CO
- Filing period: October 2026
- Form ADV filing dated: May 22, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/324044
- AdvisorCensus page: https://advisorcensus.com/firm/varra-financial-louisville-co-324044

## Quick answers

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

**How much does Varra Financial charge?**
Its Form ADV Part 2A brochure dated May 22, 2026 states: Flat fee: $2,500 to $25,000 (creating client financial plans). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Varra Financial located?**
Varra Financial's principal office is in Louisville, CO, according to its Form ADV.

**Is Varra Financial registered with the SEC or a state?**
Varra Financial is an SEC-registered investment advisory firm, registered since 2022. Status as filed: Approved. CRD 324044.

**How much does Varra Financial manage?**
Varra Financial reports $305,597,234 in regulatory assets under management in its Form ADV filing dated May 22, 2026 (2% discretionary).

**How have Varra Financial's assets and staff changed since 2023?**
In the Form ADV data for Varra Financial: Regulatory assets under management: $106,881,022 in the October 2023 data and $305,597,234 in the October 2026 data, up 186%. Total employees: 4 in October 2023 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Varra Financial serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (416); high net worth individuals (92); charitable organizations (16).

**Which custodians does Varra Financial use?**
Varra Financial's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC and SEI Private Trust Company as custodians holding 10% or more of its separately managed account assets.

**Does Varra Financial 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/324044

**Does Varra Financial state an account minimum?**
Its Form ADV Part 2A brochure dated May 22, 2026 says: "There is no account minimum for any of VWML’s services."

**What changed in Varra Financial's recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 5 to 7. Regulatory assets under management went from $237,502,237 to $305,597,234 (+29%).

## 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 May 22, 2026)

- Account minimum: None

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

- Flat fee: $2,500 to $25,000 (creating client financial plans)

> The negotiated fixed rate for creating client financial plans is between $2,500 and $25,000.

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

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC
- SEI Private Trust Company

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: $305,597,234
- Discretionary: $5,227,817
- Non-discretionary: $300,369,417

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 416 | $116,280,161 |
| High net worth individuals | 92 | $185,946,684 |
| 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 | 16 | $2,515,451 |
| 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 | 1 | $854,938 |
| Other | 0 | $0 |

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

### Firm details
- Registered since: 2022 (3 years)
- Employees: 8 total, 7 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: CA, CO, FL, NE, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- varrafinancial.com
- Facebook @varrafinancialassociates
- LinkedIn @varra-financial-associates

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $106,881,022 | 4 | September 20, 2023 |
| October 2024 | $196,580,012 | 5 | May 30, 2024 |
| October 2025 | $237,502,237 | 5 | July 14, 2025 |
| October 2026 | $305,597,234 | 8 | May 22, 2026 |

Regulatory assets under management: $106,881,022 in the October 2023 data and $305,597,234 in the October 2026 data, up 186%.
Total employees: 4 in October 2023 and 8 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 5 to 7.
- Regulatory assets under management went from $237,502,237 to $305,597,234 (+29%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Varra Financial (CRD 324044): Form ADV filing data as of October 2026.