Adaptive Financial Consulting provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars. Financial planning was provided to 1–10 clients last fiscal year.
Adaptive Financial Consulting reports 261 clients. They include 93 individual clients, 85 pension and profit-sharing plans, and 83 high-net-worth individuals. Of its assets, 94.5% ($517M across 512 accounts) are managed with discretion; $30.3M across 60 accounts are not. Of its clients, 1% are outside the U.S.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 36% | 9% |
| High-net-worth individuals | 32% | 42% |
| Pension and profit-sharing plans | 33% | 49% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 93 | $48.6M | 8.9% | $522K |
| High-net-worth individuals | 83 | $231M | 42.3% | $2.79M |
| Pension and profit-sharing plans | 85 | $267M | 48.8% | $3.14M |
| Total | 261 | $547M | 100% | $2.1M |
- Clients
- 93
- Regulatory AUM
- $48.6M
- AUM share
- 8.9%
- Avg. per client
- $522K
- Clients
- 83
- Regulatory AUM
- $231M
- AUM share
- 42.3%
- Avg. per client
- $2.79M
- Clients
- 85
- Regulatory AUM
- $267M
- AUM share
- 48.8%
- Avg. per client
- $3.14M
Total
- Clients
- 261
- Regulatory AUM
- $547M
- AUM share
- 100%
- Avg. per client
- $2.1M
- 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
- 1–10
Adaptive Financial Consulting charges 0.50%–1.00% a year for its Portfolio Management Fees. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning
- Financial planning is a negotiated fixed fee between $1,000 and $100,000, with up to 50% payable in advance.
Jeremy Thompson owns 75% or more of Adaptive Financial Consulting. The leadership team of Adaptive Financial Consulting includes Chief Investment Officer Jonathan Grundman and Chief Compliance Officer Jeremy Thompson. It has 8 employees, 6 of them in advisory roles.
Leadership
- Jeremy ThompsonManaging Member & Chief Compliance Officer
- Jonathan GrundmanChief Investment Officer
Investment adviser representatives
6 representatives listed in the SEC register as of 9 October 2026.
Staff
- 8 employees
- 6 in advisory functions
- 6 state-registered reps
- 4 insurance agents
- Owns 75% or more of Adaptive Financial Consulting, LLC
Jeremy Thompson
Control person · since May 2013
Adaptive Financial Consulting’s regulatory assets grew 1.9× from $285M (April 2021) to $547M (March 2026); clients rose from 167 to 261 and employees were 8 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $547M | 261 | 8 | 4 |
| March 2025 | $509M | 249 | 8 | 4 |
| March 2024 | $404M | 231 | 9 | 4 |
| March 2023 | $337M | 220 | 8 | 4 |
| March 2022 | $349M | 204 | 8 | 4 |
| April 2021 | $285M | 167 | 8 | 4 |
Besides its headquarters, Adaptive Financial Consulting has 3 offices (3 private residences, listed without an address), with 1 listed address in Ohio.
Ohio · 1 listed address
- 3401 Enterprise Parkway, Suite 340, BeachwoodHQ
Contact and registration details
- Legal name
- Adaptive Financial Consulting, LLC
- Headquarters
- 3401 Enterprise Parkway, Suite 340, Beachwood, OH 44122
- Website
- adaptivefc.com
- Phone
- 440-359-3468
- SEC file
- 801-114947
- Structure
- Ohio LLC
- Fiscal year end
- December
Adaptive Financial Consulting uses Fidelity ($331M, 67%), Ascensus Broker Dealer Services ($105M, 21%) and Fidelity ($59.6M, 12%) as custodians for its separately managed accounts. Adaptive Financial Consulting has custody of $83.7M in client assets for 26 clients.
- FidelityNational Financial Services LLC · Boston, MA · $331M67%
- FidelityFidelity Brokerage Services LLC · Smithfeild, RI · $59.6M12%
- Ascensus Broker Dealer ServicesAscensus Broker Dealer Services, LLC · Newton, MA · $105M21%
At year end, Adaptive Financial Consulting’s separately managed accounts were largely in stocks (48%) and funds (48%). Its reported 13F holdings for the quarter ended 30 June 2026 total $285M across 20 positions; the largest are iShares TR (20.2%), iShares TR (12.0%) and Vanguard Scottsdale Fds (11.0%).
What the accounts hold
- Stocks48%
- Funds48%
- Cash4%
Reported 13F holdings
- $285M
- Reported 13F value
- 20
- Positions
- 87.3%
- In the 10 largest
- +9.3%
- Value vs. prior quarter
- iShares TR · Core US Aggbd ET20.2%
- iShares TR · Core S&P500 ETF12.0%
- Vanguard Scottsdale Fds · Shrt Trm Corp. BD11.0%
- iShares TR · S&P 500 Grwt ETF8.8%
- iShares TR · MSCI USA Min ETF8.1%
- Invesco Qqq TR · Unit Ser 17.4%
- Vanguard World FD · Consum Dis ETF5.4%
- iShares TR · Core MSCI Eafe5.3%
- Vanguard World FD · Health Car ETF4.7%
- Vanguard Index Fds · Real Estate ETF4.4%
Together, the ten largest are 87.3% of reported value.
How many clients does Adaptive Financial Consulting have?
Adaptive Financial Consulting has 261 clients and manages $547 million for them, as of March 2026. They include 93 individual clients, 85 pension and profit-sharing plans, and 83 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 5 March 2026
What services does Adaptive Financial Consulting offer?
Adaptive Financial Consulting provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Adaptive Financial Consulting charge?
Adaptive Financial Consulting charges 0.50%–1.00% a year for its Portfolio Management Fees. The fee is billed in advance and is negotiable.
Source: ADV PART 2A ADAPTIVE FINANCIAL CONSULTING LLC, filed 5 March 2026
Which custodians does Adaptive Financial Consulting use?
Adaptive Financial Consulting’s separately managed account assets are held at National Financial Services LLC (Boston, MA), with $331M, Ascensus Broker Dealer Services, LLC (Newton, MA), with $105M and Fidelity Brokerage Services LLC (Smithfeild, RI), with $59.6M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 March 2026
How many financial advisors does Adaptive Financial Consulting have?
Adaptive Financial Consulting has 6 investment adviser representatives registered with state securities authorities, out of 8 employees, and 6 perform investment advisory functions. 0 employees are registered representatives 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 Adaptive Financial Consulting invest in?
At the end of its last fiscal year, Adaptive Financial Consulting’s separately managed accounts held 48% exchange-traded equities, 48% registered funds (mutual funds, ETFs, BDCs) and 4% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Adaptive Financial Consulting?
Adaptive Financial Consulting’s direct owner is Jeremy Thompson (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 5 March 2026
How does Adaptive Financial Consulting get paid?
Adaptive Financial Consulting is paid through a percentage of assets under management. 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
Is Adaptive Financial Consulting registered with the SEC?
Yes, Adaptive Financial Consulting has been registered with the SEC as an investment adviser since 4 April 2019. Its CRD number is 288185 and its SEC file number is 801-114947.
Source: Form ADV Part 1A, Item 1, filed 5 March 2026; IAPD firm record
How do I contact Adaptive Financial Consulting?
Adaptive Financial Consulting’s main office is at 3401 Enterprise Parkway, Suite 340, Beachwood, OH 44122. Its phone number is 440-359-3468. Its website is adaptivefc.com.