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They include 104 high-net-worth individuals and 30 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 29 September 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Altiora Financial Group offer?","answer":"Altiora Financial Group provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Altiora Financial Group use?","answer":"Altiora Financial Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $640M and Fidelity Brokerage Services LLC (Smithfield, RI), with $326M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Altiora Financial Group have?","answer":"Altiora Financial Group has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Altiora Financial Group invest in?","answer":"At the end of its last fiscal year, Altiora Financial Group’s separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs), 2% cash and equivalents and 1% U.S. government and agency bonds.","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 Altiora Financial Group?","answer":"Altiora Financial Group’s direct owner is Derek Tinnin (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 29 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Altiora Financial Group get paid?","answer":"Altiora Financial Group is paid through a percentage of assets under management and fixed fees. 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