K2 Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 11–25 clients last fiscal year.
K2 Financial reports 393 clients. They include 360 individual clients and 33 high-net-worth individuals. Of its assets, 59.8% ($115M across 618 accounts) are managed with discretion; $77.1M across 649 accounts are not. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 92% | 65% |
| High-net-worth individuals | 8% | 35% |
| Charitable organizations | Fewer than 5 | <1% |
| Corporations and other businesses | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 360 | $124M | 64.8% | $345K |
| High-net-worth individuals | 33 | $67.3M | 35.1% | $2.04M |
| Charitable organizations | Fewer than 5 | $268K | 0.1% | — |
| Corporations and other businesses | Fewer than 5 | $9K | 0.0% | — |
| Total | 393 | $192M | 100% | — |
- Clients
- 360
- Regulatory AUM
- $124M
- AUM share
- 64.8%
- Avg. per client
- $345K
- Clients
- 33
- Regulatory AUM
- $67.3M
- AUM share
- 35.1%
- Avg. per client
- $2.04M
- Clients
- Fewer than 5
- Regulatory AUM
- $268K
- AUM share
- 0.1%
- Avg. per client
- —
- Clients
- Fewer than 5
- Regulatory AUM
- $9K
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 393
- Regulatory AUM
- $192M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
K2 Financial charges 0.50%–1.35% a year for its Investment Management Services. The fee is billed in arrears and is negotiable. The brochure also prices 2 other services, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Hourly fees of $250 to $400 per hour, or fixed engagement fees of $500 to $10,000; negotiable, with up to 50% invoiced up front.
- Retirement plan advisory services
- Annual asset-based fee of 0.50% to 1.35% for retirement plan advisory services, negotiable, billed in arrears quarterly.
Kevin Kurimoto owns 50% to 75% of K2 Financial. The leadership team of K2 Financial includes President Allison Kapadia and Chief Compliance Officer Travis Bettfreund. It has 10 employees, 8 of them in advisory roles.
Leadership
Allison KapadiaPresident
Kevin KurimotoVice President
Travis BettfreundChief Compliance Officer/Secretary
Investment adviser representatives
8 representatives listed in the SEC register as of 9 October 2026.
Staff
- 10 employees
- 8 in advisory functions
- 8 state-registered reps
- 9 broker-dealer reps
- 7 insurance agents
- Owns 50% to 75% of K2 Financial Inc.
Kevin Kurimoto
Control person · since September 2023
- Owns 25% to 50% of K2 Financial Inc.
Allison Kapadia
Control person · since September 2023
- Owns 25% to 50% of K2 Financial Inc.
Travis Bettfreund
Control person · since September 2023
K2 Financial’s regulatory assets grew 1.7× from $112M (March 2021) to $192M (March 2026); clients rose from 278 to 393 and employees were 10 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $192M | 393 | 10 | 3 |
| February 2025 | $162M | 366 | 10 | 3 |
| February 2024 | $154M | 362 | 9 | 3 |
| March 2023 | $145M | 336 | 12 | 4 |
| March 2022 | $148M | 342 | 11 | 1 |
| March 2021 | $112M | 278 | 10 | 2 |
Besides its headquarters, K2 Financial has 2 offices (2 private residences, listed without an address), with 1 listed address in California.
California · 1 listed address
- 233 South Glendora Avenue, GlendoraHQ
Contact and registration details
- Legal name
- K2 Financial Inc.
- Headquarters
- 233 South Glendora Avenue, Glendora, CA 91741
- Website
- Not reported
- Phone
- 626-553-6113
- @k2financial
- SEC file
- 801-120939
- Structure
- California corporation
- Fiscal year end
- December
K2 Financial uses SEI Investments Distribution ($164M, 88%) and Charles Schwab ($22.6M, 12%) as custodians for its separately managed accounts. K2 Financial does not have custody of client assets.
- SEI Investments DistributionSEI Investments Distribution Co. · Oaks, PA · $164M88%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $22.6M12%
At year end, K2 Financial’s separately managed accounts were mostly in funds (79%) and bonds (12%). Its reported 13F holdings for the quarter ended 30 June 2026 total $142M across 60 positions; the largest are Vanguard Tax-managed Fds (9.7%), Schwab Strategic TR (8.4%) and Vanguard BD Index Fds (5.7%).
What the accounts hold
- Stocks8%
- Funds79%
- Registered funds78%
- Pooled vehicles1%
- Bonds12%
- U.S. government and agency bonds10%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash1%
Reported 13F holdings
- $142M
- Reported 13F value
- 60
- Positions
- 50.2%
- In the 10 largest
- +3.0%
- Value vs. prior quarter
- Vanguard Tax-managed Fds · Van FTSE Dev Mkt9.7%
- Schwab Strategic TR · US Lrg Cap ETF8.4%
- Vanguard BD Index Fds · Total Bnd Mrkt5.7%
- Schwab Strategic TR · US Sml Cap ETF4.1%
- Vanguard Mun BD Fds · Tax Exempt BD4.0%
- Sei Exchange Traded Funds · Qim US Large Val3.8%
- Sei Exchange Traded Funds · Qim US Large Cap3.8%
- Vanguard Intl Equity Index F · FTSE Emr Mkt ETF3.7%
- iShares TR · National Mun ETF3.5%
- Vanguard Charlotte Fds · Total Int BD ETF3.5%
Together, the ten largest are 50.2% of reported value.
How many clients does K2 Financial have?
K2 Financial has 393 clients and manages $192 million for them, as of March 2026. They include 360 individual clients and 33 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 21 March 2026
What services does K2 Financial offer?
K2 Financial provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does K2 Financial charge?
K2 Financial charges 0.50%–1.35% a year for its Investment Management Services. The fee is billed in arrears and is negotiable.
Source: K2 FINANCIAL DISCLOSURE BROCHURE, filed 20 March 2026
Which custodians does K2 Financial use?
K2 Financial’s separately managed account assets are held at SEI Investments Distribution Co. (Oaks, PA), with $164M and Charles Schwab & Co., Inc. (Westlake, TX), with $22.6M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 March 2026
How many financial advisors does K2 Financial have?
K2 Financial has 8 investment adviser representatives registered with state securities authorities, out of 10 employees, and 8 perform investment advisory functions. 9 employees are registered representatives of a broker-dealer and 7 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
What does K2 Financial invest in?
At the end of its last fiscal year, K2 Financial’s separately managed accounts held 78% registered funds (mutual funds, ETFs, BDCs), 10% U.S. government and agency bonds, 8% exchange-traded equities, 1% state and local bonds, 1% investment grade corporate bonds, 1% pooled vehicles (private funds and similar) 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 K2 Financial?
K2 Financial’s direct owners are Kevin Kurimoto (50% to 75%), Allison Kapadia (25% to 50%) and Travis Bettfreund (25% to 50%).
Source: Form ADV Part 1A, Schedules A and B, filed 21 March 2026
How does K2 Financial get paid?
K2 Financial 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 K2 Financial?
K2 Financial’s main office is at 233 South Glendora Avenue, Glendora, CA 91741. Its phone number is 626-553-6113.