Adaptive Financial Design LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$14,210,959
Clients
34
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
34
TypicalAverage account size
$417,969
About
Adaptive Financial Design LLC provides discretionary investment management and financial planning to individual clients, including both non‑high‑net‑worth and high‑net‑worth households, managing roughly $14.2 million across about 34 client relationships. Services combine ongoing subscription financial planning, project‑based planning engagements, and portfolio management for individual accounts.
The firm primarily builds passive, index‑based portfolios using principles of modern portfolio theory and rebalances as market conditions dictate. Its stated research toolkit also includes technical, cyclical, and charting analysis, and it typically operates with client‑granted discretionary authority while directing custody to Charles Schwab or Altruist.
Distinctive features for a small, solo‑run independent advisor include the combination of a recurring monthly planning subscription alongside fixed‑fee project planning and a principal with CFP certification and prior advisor operations/paraplanning experience. The firm relies on custodian‑provided account statements rather than producing separate periodic advisor reports, does not participate in wrap programs, and does not accept performance‑based fees.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Cash flow / budgeting
Debt management
College savings (529s, UTMA, etc.)
Fee options
Project Based Financial Planning fixed fees range from $1,000 to $10,000; Ongoing Financial Planning upfront fee $1,000
$0 - $1,000,000: 1.25% $1,000,001 - $2,500,000: 1.00% $2,500,001 - $5,000,000: 0.75% $5,000,001+: 0.60%
Ongoing Financial Planning monthly fees range from $200 to $500; upfront charge $1,000; Project Based Financial Planning fixed fees range from $1,000 to $10,000
Main office location
Adaptive Financial Design LLC
Minneapolis MN, United States
Number of offices
1
Most active in
Adaptive Financial Design LLC has reported serving >5 clients in these states in the last 12 months.
Minnesota
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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