{"url":"https://nivawealth.com/firms/outbound-financial-287697","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/287697","regulatoryAum":151226554,"crd":"287697","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6761444","suffix":null,"lastName":"Nading","firstName":"Steven","middleName":"Jeffrey"}],"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":"2025-03-28","regulatoryAum":117745234,"clients":128,"employees":1,"offices":1},{"filedOn":"2026-03-06","regulatoryAum":151226554,"clients":150,"employees":1,"offices":1}],"secFileNumber":"801-131224","legalName":"Outbound Financial, Inc.","displayName":"Outbound Financial","slug":"outbound-financial-287697","website":"https://outboundfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/287697/8c7dc6df577950d4-r1.webp","tone":"light","width":1204,"height":200,"sourceUrl":"https://www.outboundfinancial.com/","sourceLabel":"Outbound Financial, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Illinois corporation","fiscalYearEnd":"December","headquarters":{"street":"6260 Lookout Road, Ste 220l","city":"Boulder","state":"CO","stateName":"Colorado","country":"United States","postalCode":"80301"},"tradeNames":[],"registration":{"secApproved":"26 September 2024","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1008177.0266666666,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":151226554,"discretionary":151226554,"discretionaryAccounts":423,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":95},"clientTypes":[{"label":"Individuals (other than HNW)","clients":60,"regulatoryAum":8972008},{"label":"High-net-worth individuals","clients":90,"regulatoryAum":142254546}],"feePrograms":[{"role":"main","program":"Wealth Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1015618","versionId":1015618,"ratePeriod":"not_stated","fee_billing":"arrears","submittedOn":"2026-03-06","documentName":"FORM ADV PART 2A & 2B","fee_rate_low":0.35,"fee_rate_high":0.35,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Comprehensive and ongoing financial planning","summary":"Billed as an annual fee paid quarterly in arrears; 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They include 90 high-net-worth individuals and 60 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 6 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Outbound Financial offer?","answer":"Outbound Financial provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","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 Outbound Financial charge?","answer":"Outbound Financial charges 0.35% for its Wealth Management Services. The brochure does not state whether the rate is annual. The fee is billed in arrears and is negotiable.","source":"FORM ADV PART 2A & 2B, filed 6 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Outbound Financial use?","answer":"Outbound Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $151M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 6 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Outbound Financial have?","answer":"Outbound Financial has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","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 Outbound Financial invest in?","answer":"At the end of its last fiscal year, Outbound Financial’s separately managed accounts held 98% registered funds (mutual funds, ETFs, BDCs), 1% U.S. government and agency bonds 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Outbound Financial?","answer":"Outbound Financial’s direct owner is Steven Nading (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 6 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Outbound Financial get paid?","answer":"Outbound 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":"How do I contact Outbound Financial?","answer":"Outbound Financial’s main office is at 6260 Lookout Road, Ste 220l, Boulder, CO 80301. Its phone number is 720-642-9701. 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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."}