Graff Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$87,503,710
Clients
44
64% 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
44
HighAverage account size
$1,988,721
About
Graff Financial, LLC is a boutique advisory firm that provides asset management and financial planning to individuals, pension and profit‑sharing plans, trusts, estates, and business entities. Services include ongoing investment advice, written financial plans addressing taxation and estate/trust matters, and implementation recommendations that clients may choose to execute through their custodian.
The firm employs model asset‑allocation portfolios implemented primarily with no‑load mutual funds and exchange‑traded funds, relying on both quantitative and qualitative research and periodic portfolio reviews. Graff Financial manages the majority of its assets on a non‑discretionary basis—requiring client approval before executing trades—which makes the investment process more collaborative and can affect trade timing and implementation.
Graff Financial reported $87,503,710 of non‑discretionary assets under management as of December 31, 2025, a characteristic that is uncommon among independent advisers and highlights an emphasis on client‑directed decisions. The firm also offers standalone financial planning, does not use performance‑based fees or wrap programs, and discloses it does not receive compensation from fund or insurance companies when recommending investments.
Client services
Financial planning
Portfolio management
Expertise
General tax planning
General estate planning guidance
College savings (529s, UTMA, etc.)
Fee options
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.90% $2,000,001 - $3,000,000: 0.80% $3,000,001 - $5,000,000: 0.70% $5,000,001 - $10,000,000: 0.50% $10,000,001+: 0.25%
Hourly planning fees range from $200-$250/hour and are negotiable.
Fee-only: Hourly planning fees range from $200-$250/hour and are negotiable.
Main office location
Graff Financial LLC
4926 Lincoln Drive
Edina MN 55436, United States
Number of offices
1
Most active in
Graff Financial 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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
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.
-
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
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
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")