Fluent Financial, Llc
- Regulatory AUM
- $330M
- Discretionary
- $330M
- Clients
- 260
- Avg AUM / client
- $1.3M
- Accounts
- 1,030
- Employees
- 9
AUM over time
Annual snapshots from Form ADV filings · as of Apr 29, 2026
Who they serve
| Client type | Clients | AUM | % of AUM |
|---|---|---|---|
| Individuals (non-high net worth) | 164 | $212M | 64.2% |
| High net worth individuals | 87 | $112M | 34.0% |
| Pension and profit sharing plans | 9 | $5.9M | 1.79% |
People (6)
roster as of Jul 20, 2026| Name | Role / title | Credentials | With firm since | Ownership |
|---|---|---|---|---|
| Mitchell Steven Kramer | Managing Member/ Chief Compliance Officer | CFP | Jan 2014 (13y) | 75% or more |
| Michael James Baer | Director Of Operations | CFP | Feb 2021 (6y) | Less than 5% |
| Trey William Talley | Registered representative | Sep 2020 (6y) | ||
| Matthew Thomas Pence | Registered representative | Dec 2024 (2y) | ||
| Ian James Cobb | Registered representative | Jul 2025 (1y) | ||
| Ethan Mayo | Registered representative | Jun 2026 (0y) |
Undisclosed: 0% – 25% of the firm is not attributable from the filed Schedule A bands.
Roster from the IAPD representatives feed; ownership and acquisition dates from Form ADV Schedule A/B. "Since" is the earliest filed registration or acquisition date.
Documents (1 archived)
| Form | Period | Size | |
|---|---|---|---|
| Form ADV (full filing) | 04/29/2026 | 897 KB | View · PDF · Source ↗ |
Archived copies of the firm's regulatory filings, versioned by content hash.
Disciplinary disclosures
No disciplinary events reported on the firm's latest Form ADV filing.
How they charge
- • Percentage of assets under management
- • Hourly charges
- • Fixed fees
Services
- • Financial planning services
- • Portfolio management for individuals/small businesses
- • Pension consulting services
- • Selection of other advisers
- • Educational seminars/workshops
Custody
Reported custodians
- Charles Schwab & Co. $330M (100% of AUM) Apr 2026
- LPL Financial $174M (100% of AUM) Jun 2018
Amounts as reported in ADV Item 5.K.(3) (custodians holding 10%+ of SMA assets).
Firm reports having custody of client funds or securities (Item 9.A).
Source
All data on this page comes from this firm's Form ADV filings, reproduced without modification. Latest filing: Apr 29, 2026.
View current Form ADV (SEC/IAPD) ↗