Access Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, estate planning, insurance, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Access Financial Services reports 322 clients. They include 176 individual clients, 142 high-net-worth individuals, and 4 corporations and other businesses. Of its assets, 100.0% ($438M across 812 accounts) are managed with discretion. It advised 15 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 55% | 14% |
| High-net-worth individuals | 44% | 84% |
| Corporations and other businesses | 1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 176 | $62M | 14.2% | $353K |
| High-net-worth individuals | 142 | $369M | 84.3% | $2.6M |
| Corporations and other businesses | Fewer than 5 | $6.79M | 1.6% | $1.7M |
| Total | 322 | $438M | 100% | — |
- Clients
- 176
- Regulatory AUM
- $62M
- AUM share
- 14.2%
- Avg. per client
- $353K
- Clients
- 142
- Regulatory AUM
- $369M
- AUM share
- 84.3%
- Avg. per client
- $2.6M
- Clients
- Fewer than 5
- Regulatory AUM
- $6.79M
- AUM share
- 1.6%
- Avg. per client
- $1.7M
Total
- Clients
- 322
- Regulatory AUM
- $438M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 15
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Access Financial Services is paid through a percentage of assets under management, hourly charges and fixed fees (other than subscription fees). The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- ERISA Plan Services
- Fees on included plan assets are an annual rate that will not exceed 1%, charged quarterly in arrears.
- Financial Consulting
- Consulting is billed hourly at $250 to $400, negotiated with the client; advance payment is capped at $1,200 for work not completed within six months.
- Financial Planning
- An initial analysis fee of $1,000 is due at signing; planning is also billed hourly at $250 to $400, or as a negotiated fixed fee.
Stephen Kairies owns 25% to 50% of Access Financial Services. The leadership team of Access Financial Services includes President Angella Gavic and Chief Investment Officer Brant Kairies. It has 10 employees, 4 of them in advisory roles.
Staff
- 10 employees
- 4 in advisory functions
- 4 state-registered reps
- 1 broker-dealer rep
- 4 insurance agents
- Owns 25% to 50% of Access Financial Services, Inc.
Stephen Kairies
Control person · since June 1990
- Owns 25% to 50% of Access Financial Services, Inc.
Brant Kairies
Control person · since August 2001
- Owns 10% to 25% of Access Financial Services, Inc.
Angella Gavic
since January 2006
- Owns 10% to 25% of Access Financial Services, Inc.
Kathryn Noel
since January 2008
- Owns 5% to 10% of Access Financial Services, Inc.
Erik Edstrom
since January 2012
Access Financial Services’ regulatory assets grew from $312M (March 2021) to $438M (February 2026); clients rose from 293 to 322 and employees fell from 12 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Feb 2026February 2026 | $438M | 322 | 10 | 1 |
| Feb 2025February 2025 | $422M | 306 | 11 | 1 |
| Feb 2024February 2024 | $362M | 301 | 11 | 1 |
| Feb 2023February 2023 | $315M | 324 | 11 | 1 |
| Feb 2022February 2022 | $346M | 285 | 11 | 1 |
| Mar 2021March 2021 | $312M | 293 | 12 | 1 |
Besides its headquarters, Access Financial Services has 0 offices, with 1 listed address in 1 state.
Minnesota · 1 listed address
- 1650 West 82nd Street, Suite 850, MinneapolisHQ
Contact and registration details
- Legal name
- Access Financial Services, Inc.
- Headquarters
- 1650 West 82nd Street, Suite 850, Minneapolis, MN 55431
- Website
- accessafs.com
- Phone
- 952-885-2732
- SEC file
- 801-66457
- Founded
- 1992
- Structure
- Minnesota corporation
- Fiscal year end
- December
Access Financial Services’ named custodians for separately managed accounts are Charles Schwab ($435M, 99%), Fidelity ($2.54M, 1%) and Tiaa-Cref Individual & Institutional Services ($636K, 0%). Access Financial Services does not have custody of client assets.
The filed custodian amounts total more than regulatory assets under management. Each amount is shown as filed.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $435M99%
- FidelityFidelity Brokerage Services · Boston, MA · $2.54M1%
- Tiaa-Cref Individual & Institutional ServicesTiaa-Cref Individual & Institutional Services LLC · New York, NY · $636K0%
At year end, Access Financial Services’ separately managed accounts were mostly in funds (68%) and stocks (20%). Its reported 13F holdings for the quarter ended 30 June 2026 total $305M across 103 positions; the largest are Schwab Strategic TR (13.6%), Schwab Strategic TR (11.1%) and Bondbloxx ETF Trust (7.9%).
What the accounts hold
- Stocks20%
- Funds68%
- Bonds8%
- State and local bonds6%
- U.S. government and agency bonds2%
- Cash2%
- Other1%
- Private placements1%
Filed values cover 99%. The neutral 1% gap has no reported category.
How many clients does Access Financial Services have?
Access Financial Services has 322 clients and manages $438 million for them, as of February 2026. They include 176 individual clients, 142 high-net-worth individuals, and 4 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 12 February 2026
What services does Access Financial Services offer?
Access Financial Services provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, estate planning, insurance, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does Access Financial Services use?
Access Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $435M, Fidelity Brokerage Services (Boston, MA), with $2.54M and Tiaa-Cref Individual & Institutional Services LLC (New York, NY), with $636K. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 12 February 2026
How many financial advisors does Access Financial Services have?
Access Financial Services has 4 investment adviser representatives registered with state securities authorities, out of 10 employees, and 4 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 4 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Access Financial Services invest in?
At the end of its last fiscal year, Access Financial Services’ separately managed accounts held 68% registered funds (mutual funds, ETFs, BDCs), 20% exchange-traded equities, 6% state and local bonds, 2% U.S. government and agency bonds, 2% cash and equivalents and 1% other. The 1% other category is described as: Private Placements.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Access Financial Services?
Access Financial Services’ direct owners are Stephen Kairies, Brant Kairies, Angella Gavic, Kathryn Noel and Erik Edstrom, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 12 February 2026
How does Access Financial Services get paid?
Access Financial Services is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Access Financial Services?
Access Financial Services’ main office is at 1650 West 82nd Street, Suite 850, Minneapolis, MN 55431. Its phone number is 952-885-2732. Its website is accessafs.com.
