{"url":"https://nivawealth.com/firms/kirtland-financial-management-131138","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/131138","regulatoryAum":396123255,"crd":"131138","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4746520","suffix":null,"lastName":"HIXON","firstName":"BRETT","middleName":"CHARLES"}],"total":1,"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":"2021-07-21","regulatoryAum":289021405,"clients":186,"employees":5,"offices":1},{"filedOn":"2022-06-03","regulatoryAum":308471310,"clients":146,"employees":5,"offices":1},{"filedOn":"2023-08-07","regulatoryAum":276446741,"clients":142,"employees":5,"offices":1},{"filedOn":"2024-02-29","regulatoryAum":296660095,"clients":168,"employees":4,"offices":1},{"filedOn":"2025-03-11","regulatoryAum":327567859,"clients":148,"employees":4,"offices":1},{"filedOn":"2026-03-24","regulatoryAum":396123255,"clients":201,"employees":3,"offices":1}],"secFileNumber":"801-63403","legalName":"Kirtland Financial Management, Inc.","displayName":"Kirtland Financial Management","slug":"kirtland-financial-management-131138","website":"https://kirtlandfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/131138/ab7706eec77bdd3e-r1.webp","tone":"light","width":309,"height":200,"sourceUrl":"https://www.kirtlandfinancial.com/","sourceLabel":"Kirtland Financial Management, Inc., website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"1999","organization":"Florida corporation","fiscalYearEnd":"December","headquarters":{"street":"100 Almeria Ave, Suite 302","city":"Coral Gables","state":"FL","stateName":"Florida","country":"United States","postalCode":"33134"},"tradeNames":[],"registration":{"secApproved":"30 July 2004","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1890582.5323383084,"staff":{"employees":3,"advisory":1,"brokerDealerReps":1,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":396123255,"discretionary":339490403,"discretionaryAccounts":408,"nonDiscretionary":56632852,"nonDiscretionaryAccounts":212,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":109,"regulatoryAum":23669272},{"label":"High-net-worth individuals","clients":92,"regulatoryAum":356337817},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":16116166}],"feePrograms":[{"role":"main","program":"Investment Advisory Fee","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024968","versionId":1024968,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-24","documentName":"03 24 2026 KFM FORM ADV PART 2A AND 2B FINAL","fee_rate_low":0.7,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":500000,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning","summary":"Financial planning is offered at $250 per hour, and the total fee is disclosed up front before work begins.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024968","versionId":1024968,"submittedOn":"2026-03-24","documentName":"03 24 2026 KFM FORM ADV PART 2A AND 2B FINAL"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:59:40.39588+00:00","documents":[{"name":"03 24 2026 KFM FORM ADV PART 2A AND 2B FINAL","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024968","versionId":1024968,"submittedOn":"2026-03-24"}]},"custodians":[{"name":"Raymond James Trust Company of NH","shortName":"Raymond James","location":"St. Petersburg, FL","smaAssets":123089469},{"name":"Raymond James & Associates, Inc.","shortName":"Raymond James","location":"St Petersburg, FL","smaAssets":273033786}],"custodyNote":"Kirtland Financial Management has custody of $33.3M in client assets for 17 clients.","leadership":[{"name":"Brett Hixon","title":"President and Chief Compliance Officer","crd":"4746520"}],"ownership":[{"label":"Brett Hixon","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since December 2008."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Florida","offices":1,"addresses":[{"street":"100 Almeria Ave, Suite 302","city":"Coral Gables","headquarters":true}]}],"brochureServices":["education planning","estate planning","insurance","retirement plan services","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"305-648-0006","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":17},{"label":"U.S. government/agency bonds","percent":2},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":79},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"24 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/131138/PDF/131138.pdf","brochureDate":"24 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024968","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 Kirtland Financial Management have?","answer":"Kirtland Financial Management has 201 clients and manages $396 million for them, as of March 2026. They include 109 individual clients and 92 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Kirtland Financial Management offer?","answer":"Kirtland Financial Management provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, retirement plan services, and tax planning.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Kirtland Financial Management charge?","answer":"Kirtland Financial Management charges 0.70%–1.00% a year for its Investment Advisory Fee. The fee is billed in advance, is negotiable and requires an account of at least $500,000.","source":"03 24 2026 KFM FORM ADV PART 2A AND 2B FINAL, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Kirtland Financial Management use?","answer":"Kirtland Financial Management’s separately managed account assets are held at Raymond James & Associates, Inc. (St Petersburg, FL), with $273M and Raymond James Trust Company of NH (St. Petersburg, FL), with $123M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Kirtland Financial Management have?","answer":"Kirtland Financial Management has 1 investment adviser representative registered with state securities authorities, out of 3 employees, and 1 perform investment advisory functions. 1 employee is a registered representative 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 Kirtland Financial Management invest in?","answer":"At the end of its last fiscal year, Kirtland Financial Management’s separately managed accounts held 79% registered funds (mutual funds, ETFs, BDCs), 17% exchange-traded equities, 2% U.S. government and agency bonds, 2% cash and equivalents and 1% investment grade corporate bonds.","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":"Does Kirtland Financial Management have a minimum investment?","answer":"Yes, Kirtland Financial Management’s minimum account size for its Investment Advisory Fee is $500K.","source":"03 24 2026 KFM FORM ADV PART 2A AND 2B FINAL, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Kirtland Financial Management?","answer":"Kirtland Financial Management’s direct owner is Brett Hixon (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Kirtland Financial Management get paid?","answer":"Kirtland Financial Management is paid through a percentage of assets under management and hourly charges. 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":"Is Kirtland Financial Management registered with the SEC?","answer":"Yes, Kirtland Financial Management has been registered with the SEC as an investment adviser since 30 July 2004. Its CRD number is 131138 and its SEC file number is 801-63403.","source":"Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Kirtland Financial Management?","answer":"Kirtland Financial Management’s main office is at 100 Almeria Ave, Suite 302, Coral Gables, FL 33134. Its phone number is 305-648-0006. Its website is kirtlandfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 24 March 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."}