Pure Financial Advisors: Platform Profile

Overview

Pure Financial Advisors is an SEC-registered, fee-only adviser focused on planning-centered wealth management, retirement planning and tax-aware investment management.

Current regulatory identity:

• Investment adviser: Pure Financial Advisors, LLC
• CRD: 144316
• SEC number: 801-70137
• Current ADV Part 2A date: 2026-02-12

The strongest current accessibility fact is simple:

• No minimum asset requirement to become client: Yes

The fee schedule is less simple. Pure uses a progressive AUM schedule from 1.60% down to 0.50% through $10 million, with relationships above $10 million negotiable.

May fit better for

• households seeking investment management tied to a financial plan;
• retirement-focused clients;
• investors who value tax planning and tax-aware portfolio design;
• clients who prefer a fee-only advisory model;
• households that want discretionary management;
• clients needing help with eligible held-away workplace retirement assets;
• investors comfortable with a progressive AUM fee rather than a flat subscription.

May fit less well for

• investors seeking the lowest-cost automated-only portfolio service;
• clients who want a single flat annual dollar fee;
• investors who assume the lowest 0.50% tier applies to an entire multi-million-dollar portfolio;
• clients uncomfortable paying an AUM fee on cash or other billable holdings;
• users who want every product and outside-manager expense bundled into one number;
• investors who want performance-based compensation.

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Pure has no current minimum asset requirement to become a client

Current Item 7 states:

The absence of a firmwide minimum does not make every service inexpensive for every account size. The progressive schedule begins at 1.60% on the first $350,000 of managed assets.

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The 2026 AUM schedule is progressive

• First 350k: 1.60%
• 350k to 500k: 1.25%
• 500k to 750k: 1.00%
• 750k to 1m: 0.90%
• 1m to 2m: 0.85%
• 2m to 3m: 0.80%
• 3m to 4m: 0.75%
• 4m to 5m: 0.70%
• 5m to 10m: 0.50%
• Over 10m: negotiable
• Schedule progressive: Yes

Pure's brochure gives an illustration at $1.5 million with an annualized blended fee of approximately 1.10%.

That illustration is useful because it prevents a common mistake: applying only the marginal rate at the highest reached tier to the whole relationship.

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Public planning pricing is separate from ongoing AUM management

Pure's current public fee page states:

• Financial assessment fee: $0
• Initial planning public range: $1,000-$5,000
• Continuous planning included with AUM relationship: Yes
• Public AUM range: 0.4%-1.6%

The current regulatory schedule is the controlling source for the detailed AUM breakpoints.

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Billing uses prior quarter-end gross asset values

Current brochure:

• Billing frequency: quarterly
• Billing timing: in advance
• Fee base: ending quarterly gross value
• Capital flow proration threshold: $100

For ordinary managed accounts, Pure generally calculates fees using all assets in the investment account, subject to the agreement.

Potentially billable holdings can include:

• cash and money-market balances;
• ETFs and mutual funds;
• margined assets;
• short positions;
• alternative investments;
• other investment holdings.

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Pontera-managed held-away accounts can be included in billing

Pure can use Pontera to manage eligible employer-sponsored retirement plan accounts without taking custody of those plan assets.

Current brochure describes two distinct lanes:

• Pontera ongoing management available: Yes
• Pontera managed assets in standard billing: Yes
• Complimentary annual held away review available: Yes

Pure receives advisory fees when a client elects ongoing Pontera management but not for the complimentary annual review.

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Pure does not charge performance-based fees

Current Item 6:

• Performance based fee: No

Underlying investments can still have their own expenses.

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Alternative investments and outside managers can add costs

Pure's current disclosure allows alternative investments in managed portfolios and use of outside investment products or managers where appropriate.

An advisory percentage is not the same as the total cost of every fund, manager, custodian and transaction.

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Custody is external and multi-custodial

Current disclosure references outside custodians and platforms including Charles Schwab, National Financial Services/Fidelity, Axos Clearing, TradePMR and TIAA-related arrangements depending on account type and legacy relationship.

Assessment

Pure's current review should not be reduced to either "no minimum" or "0.50%-1.60%" without the fee mechanics.

The useful reader-level facts are:

• no firmwide asset minimum to become a client;
• a progressive schedule starting at 1.60%;
• a blended fee, not a flat marginal rate;
• continuous planning can be included with the managed relationship;
• held-away Pontera management can create a billable-asset conflict;
• billable gross assets can include cash and other non-equity holdings.