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They include 86 individual clients, 64 high-net-worth individuals, and 11 corporations and other businesses.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Scratch Capital offer?","answer":"Scratch Capital provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, 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 Scratch Capital charge?","answer":"Scratch Capital charges 0.25%–1.00% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in advance or in arrears and is negotiable.","source":"ADV PART 2A, filed 17 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Scratch Capital use?","answer":"Scratch Capital’s separately managed account assets are held at Charles Schwab & Co. (Westlake, TX), with $230M and Altruist Financial LLC (Culver City, CA), with $13.3K. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Scratch Capital have?","answer":"Scratch Capital has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 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 Scratch Capital invest in?","answer":"At the end of its last fiscal year, Scratch Capital’s separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 11% U.S. government and agency bonds, 7% exchange-traded equities and 2% 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 Scratch Capital?","answer":"Scratch Capital’s direct owner is Andrew Lunt (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 17 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Scratch Capital get paid?","answer":"Scratch Capital is paid through a percentage of assets under management 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 Scratch Capital?","answer":"Scratch Capital’s main office is at 250 S. 5th St., Suite 680, Boise, ID 83702. Its phone number is 208-901-8018. 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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."}