Acorn Creek Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 101–250 clients last fiscal year.
Acorn Creek Capital reports 322 clients. They include 187 individual clients, 125 high-net-worth individuals, and 10 pension and profit-sharing plans. Of its assets, 97.9% ($478M across 2,019 accounts) are managed with discretion; $10.2M across 54 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 58% | 13% |
| High-net-worth individuals | 39% | 84% |
| Pension and profit-sharing plans | 3% | 3% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 187 | $63.4M | 13.0% | $339K |
| High-net-worth individuals | 125 | $410M | 84.0% | $3.28M |
| Pension and profit-sharing plans | 10 | $14M | 2.9% | $1.4M |
| Charitable organizations | Fewer than 5 | $110K | 0.0% | — |
| Corporations and other businesses | Fewer than 5 | $778K | 0.2% | — |
| Total | 322 | $489M | 100% | — |
- Clients
- 187
- Regulatory AUM
- $63.4M
- AUM share
- 13.0%
- Avg. per client
- $339K
- Clients
- 125
- Regulatory AUM
- $410M
- AUM share
- 84.0%
- Avg. per client
- $3.28M
- Clients
- 10
- Regulatory AUM
- $14M
- AUM share
- 2.9%
- Avg. per client
- $1.4M
- Clients
- Fewer than 5
- Regulatory AUM
- $110K
- AUM share
- 0.0%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $778K
- AUM share
- 0.2%
- Avg. per client
- —
Total
- Clients
- 322
- Regulatory AUM
- $489M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Acorn Creek Capital 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 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Hourly fees range from $100 to $350 per hour. Flat fees range from $1,000 to $50,000, based on the scope and complexity of the engagement.
- Retirement Plan Consulting
- Fees based on a percentage of managed plan assets will not exceed 1.00%.
Ben Loeffler owns 75% or more of Acorn Creek Capital. The leadership team of Acorn Creek Capital includes President Ben Loeffler and Chief Compliance Officer Sierra Merrick. It has 5 employees, 4 of them in advisory roles.
Staff
- 5 employees
- 4 in advisory functions
- 4 state-registered reps
- 1 insurance agent
- Owns 75% or more of Acorn Creek Capital LLC
Ben Loeffler
Control person · since April 2023
Acorn Creek Capital’s regulatory assets grew 1.7× from $285M (August 2023) to $489M (July 2026); clients rose from 233 to 322 and employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jul 2026July 2026 | $489M | 322 | 5 | 1 |
| Feb 2025February 2025 | $426M | 381 | 6 | 1 |
| Jun 2024June 2024 | $421M | 293 | 5 | 1 |
| Aug 2023August 2023 | $285M | 233 | 5 | 1 |
Besides its headquarters, Acorn Creek Capital has 0 offices, with 1 listed address in 1 state.
Colorado · 1 listed address
- 215 West Oak Street, 10th Floor, Ste 1000, Fort CollinsHQ
Contact and registration details
- Legal name
- Acorn Creek Capital LLC
- Headquarters
- 215 West Oak Street, 10th Floor, Ste 1000, Fort Collins, CO 80521
- Website
- acorncreekcapital.com
- Phone
- 970-818-4820
- @91412632
- SEC file
- 801-127661
- Founded
- 2023
- Structure
- Delaware LLC
- Fiscal year end
- December
Acorn Creek Capital’s named custodian for separately managed accounts is Fidelity ($469M). Acorn Creek Capital does not have custody of client assets.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $469M100%
At year end, Acorn Creek Capital’s separately managed accounts were mostly in stocks (65%) and funds (21%). Its reported 13F holdings for the quarter ended 30 June 2026 total $299M across 87 positions; the largest are Vanguard Index Fds (12.0%), Dimensional ETF Trust (11.0%) and Dimensional ETF Trust (10.8%).
What the accounts hold
- Stocks65%
- Funds21%
- Bonds5%
- Cash9%
How many clients does Acorn Creek Capital have?
Acorn Creek Capital has 322 clients and manages $489 million for them, as of July 2026. They include 187 individual clients, 125 high-net-worth individuals, and 10 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 6 July 2026
What services does Acorn Creek Capital offer?
Acorn Creek Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, 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 Acorn Creek Capital use?
Acorn Creek Capital’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $469M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 July 2026
How many financial advisors does Acorn Creek Capital have?
Acorn Creek Capital has 4 investment adviser representatives registered with state securities authorities, out of 5 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Acorn Creek Capital invest in?
At the end of its last fiscal year, Acorn Creek Capital’s separately managed accounts held 65% exchange-traded equities, 21% registered funds (mutual funds, ETFs, BDCs), 9% cash and equivalents and 5% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Acorn Creek Capital?
Acorn Creek Capital’s direct owner is Ben Loeffler (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 6 July 2026
How does Acorn Creek Capital get paid?
Acorn Creek Capital 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 Acorn Creek Capital?
Acorn Creek Capital’s main office is at 215 West Oak Street, 10th Floor, Ste 1000, Fort Collins, CO 80521. Its phone number is 970-818-4820. Its website is acorncreekcapital.com.