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THEORY FINANCIAL
Legal name: THEORY FINANCIAL LLC
CRD 304084File 801-122366
APPROVED
Retail clients
Filing as of Mar 4, 2026
Feed vintage Oct 1, 2026
Regulatory AUM
$319.2M
Below cohort median (national)
Discretionary AUM
$315.4M
Non-discretionary $3.9M
Clients
252
676 accounts
Employees
3
Below cohort median in CO
Identity & registration
ADV Item 1- Organization form
- Limited Liability Company
- Firm type
- Registered
- SEC region
- DRO
- Registration date
- Sep 22, 2021
- Principal office
- 2580 HARMONY ROAD, SUITE 201, FORT COLLINS, CO, 80528
- Phone
- 970-305-4649
Assets & accounts
ADV Item 5F- Total regulatory AUM
- $319.2M
- Discretionary AUM
- $315.4M
- Non-discretionary AUM
- $3.9M
- Discretionary accounts
- 674
- Non-discretionary accounts
- 2
- Total accounts
- 676
- AUM per client
- $1.3M
Clients by type
ADV Item 5D| Client type | Clients | AUM |
|---|---|---|
| High net worth individuals | 106 | $255.4M |
| Individuals (other than high net worth individuals) | 146 | $63.8M |
Compensation & activities
ADV Items 5E, 5GCompensation
- A percentage of assets under your management
Advisory activities
- Financial planning services
- Portfolio management for individuals and/or small businesses
Custody
ADV Item 9- Firm Custody Cash
- No
- Firm Custody Assets
- No
- Firm Custody Clients
- No
- Firm Custody Securities
- No
- Related Person Custody Cash
- No
- Related Person Custody Assets
- No
- Related Person Custody Clients
- No
- Related Person Custody Securities
- No
Disclosure events
ADV Item 11This firm answered no to every Item 11 disclosure question in this filing.
Filed changes
| Date | Field | From | To | Change |
|---|---|---|---|---|
| Apr 1, 2026 | Clients | 236 | 252 | increased by16 |
| Apr 1, 2026 | AUM | $282,840,843 | $319,240,651 | increased by$36,399,808 |
| Apr 1, 2026 | Accounts | 625 | 676 | increased by51 |
| May 1, 2025 vs Oct 1, 2022 | Employees | 4 | 3 | decreased by1 |
| May 1, 2025 vs Oct 1, 2022 | Clients | 163 | 236 | increased by73 |
| May 1, 2025 vs Oct 1, 2022 | AUM | $181,758,228 | $282,840,843 | increased by$101,082,615 |
| May 1, 2025 vs Oct 1, 2022 | Accounts | 424 | 625 | increased by201 |
| Apr 1, 2022 | Clients | 139 | 163 | increased by24 |
| Apr 1, 2022 | AUM | $142,675,634 | $181,758,228 | increased by$39,082,594 |
| Apr 1, 2022 | Accounts | 346 | 424 | increased by78 |
| Oct 1, 2021 | Registration | — | APPROVED |
On Form 5500, an adviser usually appears as a plan service provider (Schedule C), not the plan sponsor.
See plans that list “THEORY FINANCIAL” as a service provider on 5500mcp →Matched by name only — Form ADV and Form 5500 share no identifier, and names are searched loosely (“THEORY FINANCIAL” may also match similarly-named firms). Confirm identity against each filing.
Every value above is reproduced from this firm's Form ADV filing. Fields the firm left blank are shown as “Not reported” rather than filled in from other sources.