{"url":"https://nivawealth.com/firms/adaptive-financial-consulting-288185","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/288185","regulatoryAum":547099663,"crd":"288185","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6537885","suffix":null,"lastName":"GRUNDMAN","firstName":"JONATHAN","middleName":"IAN"},{"crd":"3274439","suffix":null,"lastName":"KOVACS","firstName":"RACHELLE","middleName":"RENEE"},{"crd":"2938876","suffix":null,"lastName":"Krueger","firstName":"Michael","middleName":"Christopher"},{"crd":"5388427","suffix":null,"lastName":"PARTON","firstName":"LUKE","middleName":"TIMOTHY"},{"crd":"4441474","suffix":null,"lastName":"THOMPSON","firstName":"JEREMY","middleName":"BIGELOW"},{"crd":"6555457","suffix":null,"lastName":"YEARMS","firstName":"TOBIAS","middleName":"RYAN"}],"total":6,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-30","regulatoryAum":285149417,"clients":167,"employees":8,"offices":4},{"filedOn":"2022-03-04","regulatoryAum":348896964,"clients":204,"employees":8,"offices":4},{"filedOn":"2023-03-02","regulatoryAum":336898466,"clients":220,"employees":8,"offices":4},{"filedOn":"2024-03-08","regulatoryAum":403660589,"clients":231,"employees":9,"offices":4},{"filedOn":"2025-03-07","regulatoryAum":508501249,"clients":249,"employees":8,"offices":4},{"filedOn":"2026-03-05","regulatoryAum":547099663,"clients":261,"employees":8,"offices":4}],"secFileNumber":"801-114947","legalName":"Adaptive 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CONSULTING LLC","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is a negotiated fixed fee between $1,000 and $100,000, with up to 50% payable in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014992","versionId":1014992,"submittedOn":"2026-03-05","documentName":"ADV PART 2A ADAPTIVE FINANCIAL CONSULTING LLC"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T07:22:38.805444+00:00","documents":[{"name":"ADV PART 2A ADAPTIVE FINANCIAL CONSULTING LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014992","versionId":1014992,"submittedOn":"2026-03-05"}]},"custodians":[{"name":"National Financial Services LLC","shortName":"Fidelity","location":"Boston, MA","smaAssets":331451397},{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfeild, RI","smaAssets":59644096},{"name":"Ascensus Broker Dealer Services, LLC","shortName":"Ascensus Broker Dealer Services","location":"Newton, MA","smaAssets":105359946}],"custodyNote":"Adaptive Financial Consulting has custody of $83.7M in client assets for 26 clients.","leadership":[{"name":"Jeremy Thompson","title":"Managing Member & Chief Compliance Officer","crd":"4441474"},{"name":"Jonathan Grundman","title":"Chief Investment Officer","crd":"6537885"}],"ownership":[{"label":"Jeremy Thompson","detail":"Managing member & chief compliance officer in the 75% or more ownership band and a control person, since May 2013."}],"filedOffices":{"otherThanPrincipal":3,"privateResidences":3},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Ohio","offices":1,"addresses":[{"street":"3401 Enterprise Parkway, Suite 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Adaptive Financial Consulting offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Adaptive Financial Consulting charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Adaptive Financial Consulting use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Adaptive Financial Consulting have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Adaptive Financial Consulting invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Adaptive Financial Consulting?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Adaptive Financial Consulting get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Adaptive Financial Consulting registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Adaptive Financial Consulting?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 5 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/adaptive-financial-consulting-288185/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-07","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1804717/000180471726000003/0001804717-26-000003-index.html","totalValue":285493105,"positionCount":20,"top10Share":0.8731630173695438,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE US AGGBD ET","cusip":"464287226","value":57674139,"shares":582685,"shareType":"SH","priorValue":57010534,"priorShares":574298},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P500 ETF","cusip":"464287200","value":34216536,"shares":45690,"shareType":"SH","priorValue":29413589,"priorShares":45029},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"SHRT TRM CORP 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}