Applied Financial Wisdom
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$130,000,000
This total excludes 1 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
151
1% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
151
Very HighAverage account size
$860,927
About
Applied Financial Wisdom provides investment management and comprehensive financial planning to individual investors and business clients, and also works with retirement-plan participants. The firm’s services include discretionary portfolio management across taxable and retirement accounts, financial and estate planning, and pension consulting, as well as implementation support for annuities, 529 plans and 401(k) allocations (including work with TIAA‑CREF plan participants).
The firm combines fundamental, technical and cyclical analysis into a proprietary top‑down forecast to construct client‑specific portfolios and typically provides ongoing supervision, rebalancing and trade execution under discretionary authority. Investment strategies described in the brochure include long‑ and short‑term holdings, sector rotation, options and margin transactions, use of ETFs and mutual funds, and the option to engage third‑party money managers.
Compared with many solo independent advisers, AFW reports regulatory assets under management of $130,250,000 (approximately $90,250,000 discretionary and $40,000,000 non‑discretionary) and explicitly offers portfolio management for institutional clients and pension consulting. The firm’s advisers are dually registered (able to effect commissionable securities transactions through a broker‑dealer) and are licensed insurance agents who may receive commissions for insurance or securities sales, and the firm discloses a principal’s separate real‑estate rental activity as an additional revenue source.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Retirement income strategy
General estate planning guidance
Business ownership considerations
Fee options
Fixed fees for financial planning services generally not exceeding $10,000.
Commission-based compensation received by representatives registered with LPL Financial for securities sales; may include distribution or service fees from mutual funds.
Up to $500 per hour for initial or updated financial plans.
Fee-only: Hourly fees up to $500 per hour; fixed fees generally not exceeding $10,000; financial planning fees up to 3.00% per annum based on net worth or assets advised upon, all negotiable.
Main office location
Applied Financial Wisdom
529 Kansas City St., Suite 203
Rapid City SD 57701, United States
Number of offices
1
Most active in
Applied Financial Wisdom has reported serving >5 clients in these states in the last 12 months.
Florida · Kansas · Maryland · New Hampshire · Pennsylvania · South Dakota · Texas · Virginia · West Virginia
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Discover
Compare top advisor firms by metric, firm size, and location.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")