Castle Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,068,512
This total excludes 7 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
4
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
4
Very LowAverage account size
$267,128
About
Castle Financial (doing business as Fortifying Your Future LLC) provides portfolio management, financial planning, and pension consulting to individuals and employer‑sponsored retirement plans. The firm’s services explicitly include ERISA fiduciary options for retirement plans, offering both non‑discretionary 3(21) advisory support and discretionary 3(38) investment manager roles.
The firm documents client objectives in individualized investment policy statements, seeks discretionary trading authority for ongoing management, and tailors portfolios for goals, cash‑flow and liquidity needs, tax status, held‑away assets, concentration risks, and any client values or ESG restrictions. Its investment process uses fundamental and quantitative analysis and modern portfolio theory with a long‑term trading orientation, typically employing mutual funds, ETFs, and fixed‑income instruments including TIPS, and provides at‑least‑quarterly reviews and reporting.
Distinctive aspects include the firm principal’s simultaneous role as a licensed insurance agent who sells insurance products and accepts commission compensation — a disclosed conflict of interest — and a clear emphasis on pension consulting and ERISA fiduciary services that are less common among similar solo independent advisers. The firm works with a very small, concentrated client roster rather than mass‑market retail individuals and requires custody through a single institutional custodian.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
Wealth management
General retirement planning
College savings (529s, UTMA, etc.)
Life insurance needs analysis
Fee options
Financial planning fees range from $1,000 to $5,000; Pension consulting plan fees range from $1,000 to $100,000.
1.00% annually for portfolio management; 0.75% annually for pension consulting
Main office location
Castle Financial
Verona WI, United States
Number of offices
1
Most active in
Castle Financial has reported serving >5 clients in these states in the last 12 months.
Wisconsin
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
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.
-
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.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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