Before you pay me anything, read this

Two documents have to reach you before we can start work together. They're both linked below. You'll also receive copies by email the moment you finish checkout, so you don't have to save anything right now.

1. Form ADV Part 2A — my disclosure brochure

This is the document Blade Financial files with securities regulators. It is written for you, not for them. It states in plain language what services I provide, exactly what I charge and how I bill it, what conflicts of interest exist in my business, how I select investments, my education and work history, and whether I have any disciplinary history. Read Item 5 in particular — that's the fee section, and it's the one that governs if anything on my website ever disagrees with it.

Open Form ADV Part 2A → Brochure dated October 2, 2026. Opens in a new tab — you won't lose your place in this form.

2. Privacy notice

What personal and financial information I collect from you, what I use it for, who it does and does not get shared with, and how it's protected. The short version: I collect what I need to advise you, and I don't sell it to anyone.

Open privacy notice →

Verify me independently

You should not take my word for my own registration. Blade Financial, LLC is a state-registered investment adviser, CRD number 332078. You can look up the firm, my filing history, and any disciplinary record on the SEC's Investment Adviser Public Disclosure database, which is free and run by the regulator rather than by me.

Look up Blade Financial on adviserinfo.sec.gov →

What you're buying

One Hour With an Advisor — $275

Scope. One hour of one-on-one advice, by video or phone, on the financial question or questions you bring to the meeting. Filed with regulators as an Investment Recommendation — Advice Only engagement.

What you get. The meeting itself, and a follow-up email summarizing what we discussed and what I recommended. This engagement does not include a written financial plan, a portfolio analysis document, or ongoing management of your accounts.

Fee. A flat $275, charged once, at checkout. If the conversation runs past the hour, additional time is billed at $275 per hour — and only if you tell me in writing to keep going. I will never bill you for time you did not approve first.

Timing. I'll contact you within one business day of this payment to schedule.

What you're buying

Second Opinion Review — $500

Scope. An independent review of a financial plan, advisor relationship, or portfolio you already have. Filed with regulators as a Plan Projection engagement.

What you get. One meeting to walk through what you currently have, plus a written summary delivered afterward covering what I found, what concerns me, and what I would change. The document is yours to keep and to act on however you want, including by taking it to a different advisor. This engagement does not include a comprehensive financial plan or ongoing management of your accounts.

What I'll need from you. Recent statements for the accounts under review, and your current plan or advisor agreement if one exists. I'll send a short list after payment.

Fee. A flat $500, charged once, at checkout. Additional time beyond this scope is billed at $275 per hour, and only with your written approval first.

Timing. I'll contact you within one business day to schedule, and deliver the written summary within ten business days of our meeting.

What you're buying

Financial Roadmap — $550

Scope. Up to two hours of structured discovery and analysis covering your full financial picture: income, assets, debts, goals, time horizon, and risk tolerance. Filed with regulators as the Discovery Phase / Setup engagement.

What you get. A written roadmap stating where you stand today, where the gaps are, and the order in which I'd address them. This is the foundation a comprehensive plan is built on, and it stands on its own if you never take the next step.

Fee. A flat $550, charged once, at checkout, covering up to two hours of advisory time. Time beyond two hours is billed at $275 per hour and requires your written approval before I spend it.

Timing. I'll contact you within one business day to schedule, and deliver the written roadmap within ten business days of our final discovery session.

Engagement terms

These terms apply to the service described above. Read them before you sign.

1. The parties. This agreement is between Blade Financial, LLC, a Florida state-registered investment adviser ("Adviser"), and the individual identified in this form ("Client").

2. Services. Adviser will provide the services described in the scope section above. Adviser provides investment advice and financial planning only. Adviser does not prepare tax returns, does not draft or execute legal documents, and does not sell insurance or any other financial product. Where a recommendation involves tax preparation, legal work, or insurance, Adviser will say so and Client is responsible for engaging the appropriate professional.

3. Fees. Client pays the flat fee stated in the scope section above, due in full at signing. Any advisory time beyond that scope is billed at $275 per hour and requires Client's written approval before the time is incurred. Adviser receives no commissions, no referral fees, and no compensation of any kind from any third party in connection with Client's account or any recommendation made to Client.

4. Term and termination. This agreement begins on the date Client signs below and ends when Adviser delivers the agreed deliverable. Either party may terminate at any time by written notice to the other.

5. Refund and termination. Client may terminate this agreement without penalty and receive a full refund of any prepaid advisory fees within five (5) business days after signing, for any reason or none, with no amount withheld.

After this initial period, Client may terminate at any time by providing written notice to Blade Financial by text, email, or mail. In that case:

a. Refund of prepaid fees. If Client has prepaid fees, Client will receive a pro-rata refund of any unearned portion, calculated as the fee paid less time already worked at the stated hourly rate of $275 per hour. Refunds are processed within 5–7 business days of Blade Financial receiving the termination notice.

b. Fees due upon termination. If fees were not prepaid, Client will be invoiced for the time incurred before termination at the stated hourly rate of $275 per hour.

c. Fees considered earned. Fees related to Investment Advice or Financial Planning Services are considered earned upon delivery of the advice, financial plan, or report, and are not subject to refund after delivery.

d. Termination by Blade Financial. Blade Financial may terminate this agreement at any time by providing written notice to Client by email or mail. If Client made an advance payment, any unearned portion of the fee will be refunded within 5–7 business days of termination.

6. Client responsibilities. Client agrees to provide complete and accurate information about their financial situation, and to notify Adviser of material changes to it. Adviser's recommendations depend entirely on the accuracy of what Client provides. Client alone decides whether to act on any recommendation, and Client is responsible for implementing it.

7. No custody. Adviser does not take custody of Client's assets. Client's accounts remain at Client's own custodian, in Client's own name. Adviser has no authority to withdraw funds or securities from any Client account.

8. Investment risk. All investing involves risk, including the possible loss of principal. Past performance is not a guarantee or indicator of future results. Adviser does not guarantee that any recommendation, strategy, or investment will be profitable or will meet any particular objective.

9. Fiduciary duty and conflicts. Adviser is a fiduciary and is obligated to act in Client's best interest at all times. Conflicts of interest that exist in Adviser's business are disclosed in Form ADV Part 2A, which Client has acknowledged receiving.

10. Non-exclusivity. Adviser advises other clients and may give advice to, or take action for, other clients that differs from the advice given to Client. Nothing in this agreement limits Adviser's ability to engage in other business activities disclosed in Form ADV Part 2A.

11. Privacy. Adviser uses Client's personal and financial information solely to provide the services described here, and handles it in accordance with the privacy notice Client has acknowledged receiving. Adviser does not sell Client information.

12. Assignment. Adviser will not assign this agreement, within the meaning of the Investment Advisers Act of 1940, without Client's prior consent.

13. Electronic delivery and signature. Client consents to receiving disclosures, agreements, and communications electronically, and agrees that the electronic signature entered below is legally binding and has the same effect as a handwritten signature.

14. Governing law. This agreement is governed by the laws of the State of Florida.

15. Entire agreement. This agreement, together with Form ADV Part 2A, is the entire agreement between the parties on this subject. It may be amended only in writing, signed by both parties.

16. No waiver of rights. Nothing in this agreement waives or limits any right Client has under the Investment Advisers Act of 1940, the Florida Securities and Investor Protection Act, or any other federal or state securities law, or under the rules of any regulator with authority over Adviser.

Sign the agreement

Typing your full legal name below is your signature on this agreement. Under the federal ESIGN Act and Florida's Uniform Electronic Transactions Act, a typed name entered with the intent to sign carries the same legal force as a signature written by hand.

When you submit this form, Blade Financial records your typed name, the date and time you submitted it, and the IP address you submitted it from. That record is retained as part of the firm's books and records.

You'll receive a copy of everything you signed by email, along with the Form ADV Part 2A brochure, within a few minutes.