Apforia provides financial planning, portfolio management for individuals and small businesses, pension consulting, and educational seminars. Financial planning was provided to 251–500 clients last fiscal year.
Apforia reports 385 clients. They include 312 individual clients, 56 high-net-worth individuals, and 17 pension and profit-sharing plans. Of its assets, 100.0% ($102M across 1,228 accounts) are managed with discretion. It advised 113 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 81% | 55% |
| High-net-worth individuals | 15% | 41% |
| Pension and profit-sharing plans | 4% | 3% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 312 | $56.1M | 55.1% | $180K |
| High-net-worth individuals | 56 | $42.3M | 41.5% | $755K |
| Pension and profit-sharing plans | 17 | $3.55M | 3.5% | $209K |
| Total | 385 | $102M | 100% | $265K |
- Clients
- 312
- Regulatory AUM
- $56.1M
- AUM share
- 55.1%
- Avg. per client
- $180K
- Clients
- 56
- Regulatory AUM
- $42.3M
- AUM share
- 41.5%
- Avg. per client
- $755K
- Clients
- 17
- Regulatory AUM
- $3.55M
- AUM share
- 3.5%
- Avg. per client
- $209K
Total
- Clients
- 385
- Regulatory AUM
- $102M
- AUM share
- 100%
- Avg. per client
- $265K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 113
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Apforia charges 0.25%–2.00% a year for its Assets Under Management (AUM). The fee is billed in arrears and is not negotiable. The brochure also prices 5 other services, listed under fee details.
Fee details and sources
Other fees
- Comprehensive Financial Planning
- Ongoing comprehensive planning is billed as a flat annual fee or with investment management, with an onboarding fee of up to $1,200 and a maximum annual fee of $30,000.
- Educational Seminars and Workshops
- Seminar and workshop fees range from $0 (free) to $5,000 per seminar or workshop, or up to $1,000 per participant, and may be billed in advance.
- Employee Benefit Plan Services
- Plan services are charged 0.25% to 0.50% of total plan assets, excluding third-party fees, or a flat fee of $1,000 to $12,000 a year.
- Hourly Financial Planning
- Hourly planning is billed at a maximum of $500 per hour or the maximum reasonable rate for your jurisdiction, whichever is lower.
- Project-Based Financial Planning
- Project-based planning is billed at a flat rate agreed before the work begins, with a maximum of $500 per hour.
Adrienne Ross owns 50% to 75% of Apforia. Sean Gillespie is CEO; the leadership team includes Chief Financial Officer Adrienne Ross. It has 18 employees, 10 of them in advisory roles.
Staff
- 18 employees
- 10 in advisory functions
- 10 state-registered reps
- Owns 50% to 75% of Apforia LTD
Adrienne Ross
Control person · since May 2023
- Owns 50% to 75% of Apforia LTD
Sean Gillespie
Control person · since May 2023
- Owns 25% to 50% of Apforia LTD
Paul Allen
Control person · since May 2023
Apforia’s regulatory assets grew 3.3× from $30.7M (July 2023) to $102M (September 2026); clients rose from 342 to 385 and employees from 3 to 18.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $102M | 385 | 18 | 8 |
| Apr 2025April 2025 | $96.3M | 286 | 9 | 2 |
| Jun 2024June 2024 | $73.7M | 324 | 6 | 2 |
| Jul 2023July 2023 | $30.7M | 342 | 3 | 1 |
Besides its headquarters, Apforia has 7 offices (4 private residences, listed without an address), with 4 listed addresses across 4 states.
Rhode Island · 1 listed address
- 650 Ten Rod Road, North Kingstown,
Texas · 1 listed address
- 101 Rainbow DR., Livingston
Virginia · 1 listed address
- 240 Mustang Trail, Ste 10, Virginia BeachHQ
Washington · 1 listed address
- 905 W Riverside Ave, Spokane
Other business names
Apforia has reported 6 other business names to the SEC.
- Ahead Full Wealth Management
- Always Ready Financial Planning
- Clear Insight Wealth Management
- Instar Financial Planning
- Next Mission Financial Planning
- Redeployment Wealth Strategies
Contact and registration details
- Legal name
- Apforia LTD
- Headquarters
- 240 Mustang Trail, Ste 10, Virginia Beach, VA 23452
- Website
- apforia.com
- Phone
- 757-752-8055
- SEC file
- 801-128361
- Structure
- Virginia corporation
- Fiscal year end
- December
Apforia’s named custodians for separately managed accounts are Altruist ($62.3M, 61%) and Charles Schwab ($39.7M, 39%). Apforia does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $39.7M39%
- AltruistAltruist Financial LLC · Culver City, CA · $62.3M61%
At year end, Apforia’s separately managed accounts were mostly in funds (97%).
What the accounts hold
- Stocks1%
- Funds97%
- Bonds1%
- Cash1%
How many clients does Apforia have?
Apforia has 385 clients and manages $102 million for them, as of September 2026. They include 312 individual clients, 56 high-net-worth individuals, and 17 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 September 2026
What services does Apforia offer?
Apforia 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 Apforia charge?
Apforia charges 0.25%–2.00% a year for its Assets Under Management (AUM). The fee is billed in arrears and is not negotiable.
Which custodians does Apforia use?
Apforia’s separately managed account assets are held at Altruist Financial LLC (Culver City, CA), with $62.3M and Charles Schwab & Co., Inc. (Westlake, TX), with $39.7M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 September 2026
How many financial advisors does Apforia have?
Apforia has 10 investment adviser representatives registered with state securities authorities, out of 18 employees, and 10 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 Apforia invest in?
At the end of its last fiscal year, Apforia’s separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs), 1% exchange-traded equities, 1% U.S. government and agency bonds and 1% 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 Apforia?
Apforia’s direct owners are Adrienne Ross (50% to 75%), Sean Gillespie (50% to 75%) and Paul Allen (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 10 September 2026
How does Apforia get paid?
Apforia 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 Apforia?
Apforia’s main office is at 240 Mustang Trail, Ste 10, Virginia Beach, VA 23452. Its phone number is 757-752-8055. Its website is apforia.com.
