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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Access Financial Services offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Access Financial Services use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Access Financial Services have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Access Financial Services invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Access Financial Services?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Access Financial Services get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Access Financial Services?","answer":"Access Financial Services’ main office is at 1650 West 82nd Street, Suite 850, Minneapolis, MN 55431. Its phone number is 952-885-2732. 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