Orographic Financial Advisors provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, philanthropic planning, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
Orographic Financial Advisors reports 111 clients. They include 62 individual clients and 49 high-net-worth individuals. Of its assets, 100.0% ($208M across 244 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 56% | 10% |
| High-net-worth individuals | 44% | 90% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 62 | $20.3M | 9.8% | $328K |
| High-net-worth individuals | 49 | $187M | 90.2% | $3.82M |
| Total | 111 | $208M | 100% | $1.87M |
- Clients
- 62
- Regulatory AUM
- $20.3M
- AUM share
- 9.8%
- Avg. per client
- $328K
- Clients
- 49
- Regulatory AUM
- $187M
- AUM share
- 90.2%
- Avg. per client
- $3.82M
Total
- Clients
- 111
- Regulatory AUM
- $208M
- AUM share
- 100%
- Avg. per client
- $1.87M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Orographic Financial Advisors charges 1.00% a year for its Wealth Management. The fee is billed in arrears, is negotiable and has a $2,500 annual minimum. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Standalone financial planning
- Fixed fee of up to $4,000 per plan or up to $375 per hour, agreed in advance. Planning is included in the advisory fee for wealth management clients.
Orographic Financial, LLC owns 25% to 50% of Orographic Financial Advisors and is in turn owned by Bo Pihl (75% or more). It has 3 employees, 2 of them in advisory roles.
Leadership
- Bo PihlCCO
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- 2 insurance agents
- Owns 25% to 50% of Orographic Financial Advisors, LLC
Orographic Financial, LLC
Control person · since October 2022
- Owns 75% or more of Orographic Financial, LLC
Bo Pihl
Control person · since October 2022
- Owns 25% to 50% of Orographic Financial Advisors, LLC
Nci, LLC
Control person · since October 2022
- Owns 75% or more of Nci, LLC
Lesley Shiffrin
Control person · since October 2022
Orographic Financial Advisors’ regulatory assets grew from $143M (March 2023) to $208M (March 2026); clients were 111 in both filings and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $208M | 111 | 3 | 2 |
| March 2025 | $170M | 105 | 3 | 2 |
| June 2024 | $151M | 102 | 3 | 2 |
| March 2023 | $143M | 110 | 3 | 2 |
Besides its headquarters, Orographic Financial Advisors has 1 office (1 private residence, listed without an address), with 1 listed address with no US state reported.
Contact and registration details
- Legal name
- Orographic Financial Advisors, LLC
- Headquarters
- Not reported
- Website
- orographicfinancial.com
- Phone
- 720-323-9944
- SEC file
- 801-126918
- Founded
- 2022
- Structure
- Colorado LLC
- Fiscal year end
- December
Orographic Financial Advisors uses Charles Schwab ($208M) as custodian for its separately managed accounts. Orographic Financial Advisors has custody of $36.7M in client assets for 24 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $208M100%
At year end, Orographic Financial Advisors’ separately managed accounts were mostly in stocks (55%) and funds (25%).
What the accounts hold
- Stocks55%
- Funds25%
- Bonds6%
- U.S. government and agency bonds4%
- State and local bonds2%
- Cash14%
How many clients does Orographic Financial Advisors have?
Orographic Financial Advisors has 111 clients and manages $208 million for them, as of March 2026. They include 62 individual clients and 49 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 3 March 2026
What services does Orographic Financial Advisors offer?
Orographic Financial Advisors provides financial planning, portfolio management for individuals and small businesses, business succession planning, education planning, estate planning, philanthropic planning, 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
How much does Orographic Financial Advisors charge?
Orographic Financial Advisors charges 1.00% a year for its Wealth Management. The fee is billed in arrears, is negotiable and has a $2,500 annual minimum.
Which custodians does Orographic Financial Advisors use?
Orographic Financial Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $208M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 3 March 2026
How many financial advisors does Orographic Financial Advisors have?
Orographic Financial Advisors has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 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
What does Orographic Financial Advisors invest in?
At the end of its last fiscal year, Orographic Financial Advisors’ separately managed accounts held 55% exchange-traded equities, 25% registered funds (mutual funds, ETFs, BDCs), 14% cash and equivalents, 4% U.S. government and agency bonds and 2% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Orographic Financial Advisors?
Orographic Financial Advisors is owned through holding companies by Bo Pihl and Lesley Shiffrin. Its direct owners are Orographic Financial, LLC and Nci, LLC, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 3 March 2026
How does Orographic Financial Advisors get paid?
Orographic Financial Advisors 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 Orographic Financial Advisors?
Its phone number is 720-323-9944. Its website is orographicfinancial.com.