Farther Financial Review

Pros and Cons of Farther Financial

Types of Clients

Farther serves a wide range of clients, such as individuals (including high-net-worth), trusts, estates, and corporations. Beyond that, the firm doesn’t mention account requirements or any other specific criteria in its Form ADV Part 2A about minimum account requirements. It’s reasonable to assume, however, that this will be negotiable with your individual advisor.

Financial Advisor Services

Farther delivers wealth management through a mix of digital automation and professional advisor support. Its core offerings focus on investment advisory and financial planning, giving clients the flexibility to rely on the platform or work directly with an advisor, depending on their preferences.

Investment Advisory

Farther provides discretionary investment management through its digital platform and a network of advisors. After you share your goals, risk tolerance, and time horizon, the firm will recommend a portfolio designed using principles of Modern Portfolio Theory. To build portfolios, Farther uses a mix of asset classes, such as:

• Equities
• Fixed income securities
• Exchange-traded funds (ETFs)
• Mutual funds

Once a portfolio is in place, the firm’s software will aim to keep the asset allocation within 5% above or below its intended target. If necessary, Farther will rebalance a portfolio to maintain its strategy and progress.

Financial Planning

Per request, Farther will provide or, in some cases, implement financial planning for a client. In this arrangement, you can work with a professional who will review your overall financial picture and help align your investments with your broader life goals. Depending on your needs, this may include guidance on:

• Budgeting and cash flow
• Saving for retirement
• Planning for large purchases
• Emergency funds
• Long-term wealth building

The firm explains, however, that it will not monitor your financial plan and it’s up to you to revisit it when you need to. Additionally, it won’t draft legal documents or prepare tax returns on your behalf. For these purposes, your advisor may refer to you to professionals with this expertise.

Fee Structure and Cost

Farther charges clients a fee based on the value of assets in their account, billed in advance at the beginning of each month. According to its Form ADV Part 2A, this fee can be as much as 2% of assets under management (AUM) each year. In addition, the firm may charge either an annual flat fee or an hourly rate, which can be up to $1,000 for specific services beyond investment management.

Besides the advisory fee, clients are also responsible for other costs such as transaction fees for trades or custodial fees. These charges apply when the advisor buys or sells investments for your account and are also imposed by mutual funds or ETFs you own.

Investment Philosophy

While it doesn’t list an exact philosophy, Farther indicates on its website that its investment strategy follows these guiding principles:

• Preservation. Your advisor will aim to protect and grow your portfolio.
• Tailored approach. Farther will tailor investment strategies to your particular needs and preferences.
• Portfolio personalization. Your risk tolerance and time horizon guide your asset allocation.
• Tax efficiency. In an effort to minimize your tax burden, your advisor will invest accordingly and use techniques like tax-loss harvesting.

With the approach above, you can expect your financial advisor to ask about your investment preferences, such as your goals, risk tolerance, and time horizon. Once they understand these details, they’ll personalize the services you receive to your needs. For example, the portfolio for a 60 year old nearing or at retirement will likely differ substantially than a client in their 30s.

Disclosures

As a registered investment advisor (RIA) firm with the U.S. Securities and Exchange Commission (SEC), Farther must disclose any conflicts of interest or disciplinary action in its annual Form ADV filing. This is a publicly available document that outlines important details about a firm, its advisory business, and its representatives.

In 2025, Farther has one disclosure on record, in which the firm or a representative violated investment-related statutes. You can regularly review disclosures and recent Form ADV filings via the SEC’s Investment Adviser Public Disclosure (IAPD) database.

Customer Service 

You can contact Farther by emailing the firm at hello@farther.com or by calling (628) 246-8004. If you’re already a client, you may also reach out to your advisor directly for personalized service and assistance.

To become a client, visit Farther’s website and click “Get Started” in the top right-hand corner. From there, you’ll outline what service(s) you require and provide your contact information to set up an initial discovery call with a professional. This first meeting is a great opportunity to assess the firm and an advisor before deciding to commit to a long-term relationship.

Methodology

This review is based on publicly available information directly from Farther Financial’s website and the SEC. Neither the firm nor its representatives have any say on what we’ve included on this page.

Frequently Asked Questions

Is Farther a fiduciary?

Farther must adhere to a fiduciary duty because of its status as an RIA with the SEC. This also applies to its professionals whenever they’re providing investment advice.

How much money do you need for Farther?

Farther doesn’t list specific account minimums to open an account. However, it’s common for clients to bring anywhere from $20,000 to $2,000,000+ in investable assets when hiring an RIA firm.

Is Farther a good option?

Farther can be a good choice for clients who value both digital convenience and access to professional advisors. The firm blends automated investment management tools with human advice. It also provides non-discretionary financial planning upon request, making it a well-rounded option.

On the other hand, Farther’s fees can run up to 2% of assets under management, which is higher than many competitors. Clients should weigh costs against the level of service they expect. Its financial planning is also more limited, provided only upon request and not actively monitored over time.

If your priority is straightforward investment management with occasional planning support, Farther could be a solid fit. However, if you’re seeking a more hands-off or comprehensive solution, you may want to look elsewhere.