Adaptive Financial Design offers personalized investment management and financial planning services for individuals and high-net-worth individuals. The firm focuses on passive investment strategies, building diversified portfolios using mutual funds, exchange-traded funds, equities, and bonds based on each client's specific goals and risk tolerance. In addition to managing investment portfolios, Adaptive Financial Design provides ongoing financial planning and project-based financial planning covering areas such as retirement, cash flow, insurance, employee benefits, college savings, and estate planning. The firm operates as a registered investment advisor based in Minnesota, led by principal owner and Certified Financial Planner Kari Polasek.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $1.0M | 1.25% |
| $1.0M - $2.5M | 1.00% |
| $2.5M - $5.0M | 0.75% |
| $5M+ | 0.60% |
Fees are negotiable at the firm's sole discretion depending on individual client circumstances.
