{"url":"https://nivawealth.com/firms/apforia-327176","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/327176","regulatoryAum":101914296,"crd":"327176","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8252182","suffix":null,"lastName":"Belajac","firstName":"Jon","middleName":"Joseph"},{"crd":"7716474","suffix":null,"lastName":"Brown","firstName":"Joseph","middleName":"Donald"},{"crd":"8185498","suffix":null,"lastName":"Cloe","firstName":"Angela 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2A"},{"role":"other","program":"Employee Benefit Plan Services","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057467","versionId":1057467,"submittedOn":"2026-09-10","documentName":"ADV PART 2A"},{"role":"other","program":"Hourly Financial Planning","summary":"Hourly planning is billed at a maximum of $500 per hour or the maximum reasonable rate for your jurisdiction, whichever is lower.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057467","versionId":1057467,"submittedOn":"2026-09-10","documentName":"ADV PART 2A"},{"role":"other","program":"Project-Based Financial Planning","summary":"Project-based planning is billed at a flat rate agreed before the work begins, with a maximum of $500 per hour.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057467","versionId":1057467,"submittedOn":"2026-09-10","documentName":"ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T17:32:06.300441+00:00","documents":[{"name":"ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1057467","versionId":1057467,"submittedOn":"2026-09-10"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":39652091},{"name":"Altruist Financial LLC","shortName":"Altruist","location":"Culver City, CA","smaAssets":62262204}],"custodyNote":"Apforia does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Sean Gillespie","title":"Chief Executive Officer and Chief Compliance Officer","crd":"6036446"},{"name":"Adrienne 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Beach","headquarters":true}]},{"state":"Washington","offices":1,"addresses":[{"street":"905 W Riverside Ave","city":"Spokane"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"757-752-8055","stateRegisteredReps":10,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":1},{"label":"U.S. government/agency bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":97},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"10 September 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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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Apforia offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Apforia charge?","answer":"Apforia charges 0.25%–2.00% a year for its Assets Under Management (AUM). The fee is billed in arrears and is not negotiable.","source":"ADV PART 2A, filed 10 September 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Apforia use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Apforia have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Apforia invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Apforia?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Apforia get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Apforia?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 10 September 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}