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The fee is billed in advance.","source":"FORM ADV PART 2A, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Fortitude Financial use?","answer":"Fortitude Financial’s separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $232M and Charles Schwab & Co., Inc. (Westlake, TX), with $21.1M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 September 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Fortitude Financial have?","answer":"Fortitude Financial has 2 investment adviser representatives registered with state securities authorities, out of 7 employees, and 3 perform investment advisory functions. 5 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 Fortitude Financial invest in?","answer":"At the end of its last fiscal year, Fortitude Financial’s separately managed accounts held 87% registered funds (mutual funds, ETFs, BDCs), 10% other, 2% exchange-traded equities and 1% cash and equivalents. The 10% other category is described as: Variable Annuities.","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 Fortitude Financial?","answer":"Fortitude Financial’s direct owners are Jeremy Lewis (50% to 75%), Benjamin Chase (10% to 25%) and Noelle Seipp (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 15 September 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Fortitude Financial get paid?","answer":"Fortitude Financial is paid through a percentage of assets under management and hourly charges. 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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."}