{"url":"https://nivawealth.com/firms/forefront-asset-management-281118","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/281118","regulatoryAum":136948016,"crd":"281118","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7815900","suffix":null,"lastName":"Messer","firstName":"Luke","middleName":"Michael"},{"crd":"4472157","suffix":null,"lastName":"MESSER","firstName":"ROBERT","middleName":"ADAM"},{"crd":"6626170","suffix":null,"lastName":"Umlauf","firstName":"Matthew","middleName":"Aaron"}],"total":3,"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":"2025-06-03","regulatoryAum":122865684,"clients":336,"employees":4,"offices":2},{"filedOn":"2026-05-13","regulatoryAum":136948016,"clients":322,"employees":4,"offices":2}],"secFileNumber":"801-132722","legalName":"Forefront Asset Management, LLC","displayName":"Forefront Asset Management","slug":"forefront-asset-management-281118","website":"https://forefrontam.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Virginia limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1209 Independence Boulevard, Suite 106","city":"Virginia Beach","state":"VA","stateName":"Virginia","country":"United States","postalCode":"23455"},"tradeNames":[],"registration":{"secApproved":"6 May 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":435147.35504885996,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":2,"promoters":0},"aum":{"regulatory":136948016,"discretionary":125767947,"discretionaryAccounts":712,"nonDiscretionary":11180069,"nonDiscretionaryAccounts":69,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":276,"regulatoryAum":67458362},{"label":"High-net-worth individuals","clients":31,"regulatoryAum":66131876},{"label":"Pension and profit-sharing plans","clients":6,"regulatoryAum":1300186},{"label":"Charitable organizations","clients":4,"fewerThan5":true,"regulatoryAum":1574155},{"label":"Corporations and other businesses","clients":5,"regulatoryAum":483437}],"feePrograms":[{"role":"main","program":"Portfolio Management Fees","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004773","versionId":1004773,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-01-29","documentName":"FOREFRONT ASSET MANAGEMENT - ADV_2A BROCHURE","fee_rate_low":0.6,"fee_rate_high":1.5,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"Fixed fees run from $0 to $50,000; hourly financial planning is at most $350 an hour, and hourly consulting is negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004773","versionId":1004773,"submittedOn":"2026-01-29","documentName":"FOREFRONT ASSET MANAGEMENT - ADV_2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:16:27.87884+00:00","documents":[{"name":"FOREFRONT ASSET MANAGEMENT - ADV_2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004773","versionId":1004773,"submittedOn":"2026-01-29"}]},"custodians":[{"name":"Raymond James & Associates, Inc.","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":136948016}],"custodyNote":"Forefront Asset Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Messer","title":"President","crd":"4472157"},{"name":"Matthew Umlauf","title":"Chief Compliance Officer","crd":"6626170"}],"ownership":[{"label":"Robert Messer","detail":"President in the 75% or more ownership band and a control person, since July 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":0},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Virginia","offices":2,"addresses":[{"street":"1209 Independence Boulevard, Suite 106","city":"Virginia Beach","headquarters":true},{"street":"5000 New Point Road","city":"Williamsburg"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"757-222-1880","stateRegisteredReps":3,"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"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":14},{"label":"Securities issued by registered investment companies or business development companies","percent":73},{"label":"Cash and cash equivalents","percent":13}],"privateFunds":0},"sources":{"adv1FilingDate":"13 May 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/281118/PDF/281118.pdf","brochureDate":"29 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004773","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Forefront Asset Management have?","answer":"Forefront Asset Management has 322 clients and manages $137 million for them, as of May 2026. They include 276 individual clients, 31 high-net-worth individuals, and 6 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 13 May 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Forefront Asset Management offer?","answer":"Forefront Asset Management 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":"How much does Forefront Asset Management charge?","answer":"Forefront Asset Management charges 0.60%–1.50% a year for its Portfolio Management Fees. The fee is billed in advance.","source":"FOREFRONT ASSET MANAGEMENT - ADV_2A BROCHURE, filed 29 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Forefront Asset Management use?","answer":"Forefront Asset Management’s separately managed account assets are held at Raymond James & Associates, Inc. (St. Petersburg, FL), with $137M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 13 May 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Forefront Asset Management have?","answer":"Forefront Asset Management has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 2 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 Forefront Asset Management invest in?","answer":"At the end of its last fiscal year, Forefront Asset Management’s separately managed accounts held 73% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities and 13% 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 Forefront Asset Management?","answer":"Forefront Asset Management’s direct owner is Robert Messer (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 13 May 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Forefront Asset Management get paid?","answer":"Forefront Asset Management 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 Forefront Asset Management?","answer":"Forefront Asset Management’s main office is at 1209 Independence Boulevard, Suite 106, Virginia Beach, VA 23455. Its phone number is 757-222-1880. Its website is forefrontam.com.","source":"Form ADV Part 1A, Item 1.F, filed 13 May 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."}