{"url":"https://nivawealth.com/firms/meld-financial-118896","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/118896","regulatoryAum":776399278,"crd":"118896","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7045926","suffix":null,"lastName":"Caswell","firstName":"Madison","middleName":null},{"crd":"6494331","suffix":null,"lastName":"CRAWFORD","firstName":"ASHLEY","middleName":"BURRELL"},{"crd":"1312436","suffix":null,"lastName":"Gensler","firstName":"Matthew","middleName":"Douglas"},{"crd":"1157544","suffix":null,"lastName":"GUILSHER","firstName":"MICHAEL","middleName":"JOHN"},{"crd":"6407811","suffix":null,"lastName":"MAY","firstName":"BLAKE","middleName":"W"},{"crd":"3233299","suffix":null,"lastName":"MCDONALD","firstName":"TAMI","middleName":"Wyrosdick"},{"crd":"4419789","suffix":null,"lastName":"REYNOLDS","firstName":"DWIGHT","middleName":"HEIDELBERG"},{"crd":"7949434","suffix":null,"lastName":"TACKETT","firstName":"JUSTIN","middleName":"KENNEDY"},{"crd":"5295189","suffix":null,"lastName":"WHITTINGTON","firstName":"KYLE","middleName":"B"},{"crd":"4965035","suffix":null,"lastName":"Williams","firstName":"Tonya","middleName":"Jean"}],"total":10,"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":"2021-03-30","regulatoryAum":427093716,"clients":643,"employees":10,"offices":2},{"filedOn":"2022-03-22","regulatoryAum":585944667,"clients":666,"employees":11,"offices":3},{"filedOn":"2023-06-22","regulatoryAum":512276768,"clients":870,"employees":13,"offices":3},{"filedOn":"2024-03-08","regulatoryAum":594413274,"clients":1001,"employees":11,"offices":3},{"filedOn":"2025-07-29","regulatoryAum":689572507,"clients":1058,"employees":15,"offices":3},{"filedOn":"2026-03-24","regulatoryAum":776399278,"clients":1130,"employees":15,"offices":3}],"secFileNumber":"801-62981","legalName":"Meld Financial, Inc.","displayName":"Meld Financial","slug":"meld-financial-118896","website":"https://meldfinancial.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/1658895/admin/feed/posts/","xUrl":"https://www.twitter.com/planwithmeld","founded":null,"organization":"Alabama corporation","fiscalYearEnd":"December","headquarters":{"street":"3008 Pump House RD.","city":"Birmingham","state":"AL","stateName":"Alabama","country":"United States","postalCode":"35243"},"tradeNames":["Brookstone Wealth Management"],"registration":{"secApproved":"7 April 2004","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":664920.57989228,"staff":{"employees":15,"advisory":10,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":776399278,"discretionary":776399278,"discretionaryAccounts":1942,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":827,"regulatoryAum":255704008},{"label":"High-net-worth individuals","clients":287,"regulatoryAum":485017518},{"label":"Charitable organizations","clients":2,"fewerThan5":true,"regulatoryAum":2951646},{"label":"State or municipal government entities","clients":4,"fewerThan5":true,"regulatoryAum":3369288},{"label":"Corporations and other businesses","clients":10,"regulatoryAum":29356818}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024855","versionId":1024855,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-24","documentName":"MELD, ADV PART 2A","fee_rate_low":null,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning Services","summary":"Financial planning is a fixed fee that generally ranges up to $2,500, billed 100% or 50% in advance or on completion of deliverables; negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024855","versionId":1024855,"submittedOn":"2026-03-24","documentName":"MELD, ADV PART 2A"},{"role":"other","program":"Individual Consultations","summary":"Individual consultations are billed at an hourly fee of $250, negotiable, with 50% payable in advance.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024855","versionId":1024855,"submittedOn":"2026-03-24","documentName":"MELD, ADV PART 2A"},{"role":"other","program":"Pension Consulting Services","summary":"Pension consulting is billed as a percentage of account assets: 1.50% up to $250,000, 1.25% from $250,001 to $500,000, 1.00% from $500,001 to $1,000,000, and negotiable above $1,000,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024855","versionId":1024855,"submittedOn":"2026-03-24","documentName":"MELD, ADV PART 2A"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:23:08.732323+00:00","documents":[{"name":"MELD, ADV PART 2A","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024855","versionId":1024855,"submittedOn":"2026-03-24"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":761209036}],"custodyNote":"Meld Financial does not have custody of client assets.","leadership":[{"name":"Kyle Whittington","title":"Managing Partner/President","crd":"5295189"},{"name":"Holly Criss","title":"Chief Compliance Officer","crd":"5451078"},{"name":"James Cornehlsen","title":"Partner","crd":"4589630"},{"name":"Blake May","title":"Partner","crd":"6407811"}],"ownership":[{"label":"Kyle Whittington","detail":"Managing partner/president in the 75% or more ownership band and a control person, since January 2007."},{"label":"James Cornehlsen","detail":"Partner in the 5% to 10% ownership band, since January 2018."},{"label":"Blake May","detail":"Partner in the 10% to 25% ownership band and a control person, since January 2022."}],"filedOffices":{"otherThanPrincipal":2,"privateResidences":1},"listedOfficeAddresses":2,"foreignOffices":[],"officesByState":[{"state":"Alabama","offices":1,"addresses":[{"street":"3008 Pump House RD.","city":"Birmingham","headquarters":true}]},{"state":"Georgia","offices":1,"addresses":[{"street":"800 Brookstone Centre Parkway","city":"Columbus"}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"205-967-4200","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","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)","Educational seminars/workshops","Other"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":18},{"label":"U.S. government/agency bonds","percent":1},{"label":"U.S. state and local bonds","percent":2},{"label":"Investment grade corporate bonds","percent":12},{"label":"Non-investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":54},{"label":"Cash and cash equivalents","percent":12}],"privateFunds":0},"sources":{"adv1FilingDate":"24 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/118896/PDF/118896.pdf","brochureDate":"24 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1024855","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 Meld Financial have?","answer":"Meld Financial has 1,130 clients and manages $776 million for them, as of March 2026. They include 827 individual clients, 287 high-net-worth individuals, and 10 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Meld Financial offer?","answer":"Meld Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, 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 Meld Financial charge?","answer":"Meld Financial charges up to 1.50% a year for its Portfolio Management Services. The fee is billed in advance and is negotiable.","source":"MELD, ADV PART 2A, filed 24 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Meld Financial use?","answer":"Meld Financial’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $761M. 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 Meld Financial have?","answer":"Meld Financial has 10 investment adviser representatives registered with state securities authorities, out of 15 employees, and 10 perform investment advisory functions. 0 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 Meld Financial invest in?","answer":"At the end of its last fiscal year, Meld Financial’s separately managed accounts held 54% registered funds (mutual funds, ETFs, BDCs), 18% exchange-traded equities, 12% investment grade corporate bonds, 12% cash and equivalents, 2% state and local bonds, 1% U.S. government and agency bonds and 1% high-yield 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":"Who owns Meld Financial?","answer":"Meld Financial’s direct owners are Kyle Whittington (75% or more), James Cornehlsen (5% to 10%) and Blake May (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 24 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Meld Financial get paid?","answer":"Meld 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Meld Financial registered with the SEC?","answer":"Yes, Meld Financial has been registered with the SEC as an investment adviser since 7 April 2004. Its CRD number is 118896 and its SEC file number is 801-62981.","source":"Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Meld Financial?","answer":"Meld Financial’s main office is at 3008 Pump House RD., Birmingham, AL 35243. Its phone number is 205-967-4200. Its website is meldfinancial.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."}