Cradle to College Financial, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
0
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
0
Very LowAverage account size
—
About
The firm provides discretionary investment management and comprehensive financial planning to individuals and families, with a stated emphasis on new parents and education-funding strategies. It offers Biblically Responsible Investing (BRI)–compliant portfolios and may manage Education Savings Accounts (including Coverdell accounts) while providing non‑discretionary advice on held-away assets such as 529 plans and employer retirement accounts.
Its investment process is long‑term and goals‑based, employing strategic asset allocation, Modern Portfolio Theory, and fundamental analysis to construct portfolios primarily with mutual funds and ETFs. The firm applies explicit BRI screening criteria that limit its investable universe and documents portfolio guidelines in client Investment Policy Statements; discretionary accounts are maintained with designated custodians for implementation and reporting.
Distinctive features relative to peers include accepting individual clients across non‑HNW and HNW segments—an uncommon practice for firms in the investment-manager category—and setting explicit capacity limits and account minimums for lower‑asset clients. The firm is a single-adviser, recently formed entity that currently reports no assets under management, excludes certain education accounts from billing, does not vote client proxies, and its sole adviser maintains unrelated outside employment, all of which shape its operational profile compared with larger pooled-asset managers.
Client services
Financial planning
Portfolio management
Expertise
College savings (529s, UTMA, etc.)
Demographic focus
Young Families
Religious/faith focused
Fee options
$0 - $40,000: 2.99% annually flat fee on all assets $0 - $250,000: 1.00% annually (subject to $1,200 minimum annual fee) $250,000 - $500,000: 0.90% annually $500,000 - $1,000,000: 0.80% annually $1,000,000 - $2,000,000: 0.60% annually $2,000,000+: 0.40% annually
Account minimum: $500,000 minimum for most clients, with exceptions allowing up to 25 clients with investable assets of $250,000 or less, and 25 clients with assets between $250,000 and $500,000 Minimum fee: $1,200 minimum annual fee applies to households with assets exceeding $40,000 Fee-only: Advisory fees are asset-based and cover both portfolio management and comprehensive financial planning; no commissions charged.
Main office location
Cradle to College Financial, LLC
Santa Fe NM, United States
Number of offices
1
Most active in
Cradle to College Financial, LLC has reported serving >5 clients in these states in the last 12 months.
New Mexico · Texas
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 not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
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