Calibration Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$16,221,818
Total clients
85
4% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
85
Average account size
$190,845
About
Calibration Financial is a state‑registered, single‑advisor investment advisory firm that provides financial planning and discretionary investment management to individuals, high‑net‑worth clients, and retirement plan sponsors. Services described in its brochure include comprehensive and limited financial planning, ongoing wealth management, investment management largely using ETFs, and retirement plan consulting for employer‑sponsored plans.
The firm generally constructs globally diversified, low‑cost, buy‑and‑hold ETF portfolios tailored to each client’s goals and risk tolerance, with periodic rebalancing and occasional tactical adjustments; it may also recommend mutual funds, individual securities, or outside managers. Financial planning engagements range from one‑time plans to ongoing wealth management—foundational clients receive a 30‑minute onboarding and semiannual 60‑minute reviews—and the firm can advise on held‑away workplace retirement accounts using a third‑party order management system (Pontera Solutions, Inc.) with allocation‑only access.
What is distinctive for a firm of this size is its ongoing retirement plan consulting and its role as a fiduciary to employer plans (as described under ERISA), a service relatively uncommon among similar independent advisors. With roughly $16.2 million in assets under management and about 85 clients, the firm also offers limited direct‑at‑fund programs and relies on custodial and technology arrangements and third‑party managers to support both individual and plan clients.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Retirement income strategy
Income planning
Social Security optimization
Medicare planning
Equity Recipients (RS/RSU, SOP, ESPP)
Fee options
Retirement plan consulting fees up to 1.00% of assets under advisement, negotiable; flat annual advisory fee.
$0 - $100,000: 1.20% $100,001 - $500,000: 1.05% $500,001 - $1,000,000: 0.85% $1,000,001 - $2,000,000: 0.60% $2,000,001+: 0.30%
Hourly consultation fees range from $150 to $300 per hour.
Account minimum: $200,000 Minimum fee: Ongoing wealth management annual fee generally ranges from $1,200 to $10,000, negotiable and subject to annual adjustments. Fee-only: Financial planning fees ranging from $3,000 to $6,000 for standalone plans; hourly consultation at $150-$300 per hour.
Main office location
Calibration Financial
120 Central Avenue North, Suite A
Milaca MN 56353, United States
Number of offices
1
Most active in
Calibration Financial has reported serving >5 clients in these states in the last 12 months.
California · Colorado · Florida · Minnesota · Texas
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.
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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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