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The fee is billed in advance and is negotiable.","source":"THEORY FINANCIAL ADV PART 2A, filed 4 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Theory Financial use?","answer":"Theory Financial’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $313M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 4 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Theory Financial have?","answer":"Theory Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 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