Align Financial provides financial planning, portfolio management for individuals and small businesses, selecting other managers, estate planning, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
Align Financial reports 188 clients. They include 105 high-net-worth individuals and 83 individual clients. Of its assets, 100.0% ($434M across 753 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $378M.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 44% | 14% |
| High-net-worth individuals | 56% | 86% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 83 | $59.8M | 13.8% | $720K |
| High-net-worth individuals | 105 | $374M | 86.2% | $3.56M |
| Total | 188 | $434M | 100% | $2.31M |
- Clients
- 83
- Regulatory AUM
- $59.8M
- AUM share
- 13.8%
- Avg. per client
- $720K
- Clients
- 105
- Regulatory AUM
- $374M
- AUM share
- 86.2%
- Avg. per client
- $3.56M
Total
- Clients
- 188
- Regulatory AUM
- $434M
- AUM share
- 100%
- Avg. per client
- $2.31M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Align Financial is paid through a percentage of assets under management 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 one other service, listed under fee details.
Fee details and sources
Other fees
- Flat Fee Retirement Planning
- Stand-alone financial planning is a fixed fee that will not exceed $20,000; comprehensive advisory clients receive planning at no additional fee.
Tanya Nichols owns 25% to 50% of Align Financial. It has 5 employees.
Leadership
- Tanya NicholsManaging Member / CCO
- Roger WhitneyManaging Member
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 5 in advisory functions
- 5 state-registered reps
- Owns 25% to 50% of Align Financial, LLC
Tanya Nichols
Control person · since August 2020
- Owns 25% to 50% of Align Financial, LLC
Roger Whitney
Control person · since August 2025
Align Financial’s regulatory assets grew 4.3× from $102M (March 2025) to $434M (September 2026); clients rose from 82 to 188 and employees from 3 to 5. In 2025, Agile Retirement Management (Roger Whitney's practice) joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $434M | 188 | 5 | 6 |
| March 2025 | $102M | 82 | 3 | 1 |
Firms that joined
20251 joined
- Agile Retirement Management (Roger Whitney's practice)No filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Align Financial has 5 offices (4 private residences, listed without an address), with 2 listed addresses in Minnesota and Texas.
Minnesota · 1 listed address
- 4960 Miller Trunk Hwy, #600, HermantownHQ
Texas · 1 listed address
- 752 Main Street, Mansfield
Other business names
Align Financial has reported 2 other business names to the SEC.
- Agile Retirement Management
- Retire Agile
Contact and registration details
- Legal name
- Align Financial, LLC
- Headquarters
- 4960 Miller Trunk Hwy, #600, Hermantown, MN 55811
- Website
- retireagile.com
- Phone
- 218-336-2506
- @align-financial-llc
- SEC file
- 801-132137
- Founded
- 2017
- Structure
- Minnesota LLC
- Fiscal year end
- December
Align Financial uses Charles Schwab ($310M, 71%) and Fidelity ($124M, 29%) as custodians for its separately managed accounts. Align Financial has custody of $14.6M in client assets for 86 clients.
- FidelityFidelity Brokerage Services LLC · Smithfield, RI · $124M29%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $310M71%
At year end, Align Financial’s separately managed accounts were mostly in funds (73%) and bonds (12%). Its reported 13F holdings for the quarter ended 30 June 2026 total $202M across 360 positions; the largest are Avantis U.S. Equity ETF (21.9%), Fidelity Blue Chip Growth ETF (8.6%) and Avantis International Equity ETF (7.7%).
What the accounts hold
- Stocks5%
- Funds73%
- Bonds12%
- Cash10%
Reported 13F holdings
- $202M
- Reported 13F value
- 360
- Positions
- 67.0%
- In the 10 largest
- +14.5%
- Value vs. prior quarter
- Avantis U.S. Equity ETFETF21.9%
- Fidelity Blue Chip Growth ETFETF8.6%
- Avantis International Equity ETFETF7.7%
- Avantis Core Fixed Income ETFETF7.5%
- Vanguard Value ETFETF6.1%
- Avantis Emerging Markets Equity ETFETF4.6%
- Vanguard Total Stock Market ETFETF3.6%
- Vanguard Small-cap ETFETF2.7%
- Avantis All Equity Markets ETFETF2.4%
- Apple Inc.2.0%
Together, the ten largest are 67.0% of reported value.
How many clients does Align Financial have?
Align Financial has 188 clients and manages $434 million for them, as of September 2026. They include 105 high-net-worth individuals and 83 individual clients.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 September 2026
What services does Align Financial offer?
Align Financial provides financial planning, portfolio management for individuals and small businesses, selecting other managers, estate 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 Align Financial use?
Align Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $310M and Fidelity Brokerage Services LLC (Smithfield, RI), with $124M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 September 2026
How many financial advisors does Align Financial have?
Align Financial has 5 investment adviser representatives registered with state securities authorities, out of 5 employees, and 5 perform investment advisory functions. None are registered representatives of a broker-dealer or 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 Align Financial invest in?
At the end of its last fiscal year, Align Financial’s separately managed accounts held 73% registered funds (mutual funds, ETFs, BDCs), 12% U.S. government and agency bonds, 10% cash and equivalents and 5% exchange-traded equities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Align Financial?
Align Financial’s direct owners are Tanya Nichols and Roger Whitney, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 23 September 2026
How does Align Financial get paid?
Align Financial is paid through a percentage of assets under management 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 Align Financial?
Align Financial’s main office is at 4960 Miller Trunk Hwy, #600, Hermantown, MN 55811. Its phone number is 218-336-2506. Its website is retireagile.com.