21:5 Advisors, LLC

21:5 Advisors provides investment management, comprehensive financial planning (offered as both project‑based and ongoing engagements), and facilitates estate‑planning document preparation through third‑party technology platforms. The firm serves individuals, high‑net‑worth clients, charitable organizations, and businesses and also offers access to fee‑based (commission‑free) annuity solutions via a third‑party platform.

The firm constructs personalized investment policies and asset‑allocation targets, employing a mix of passive and active strategies informed by modern portfolio theory and implements trades under discretionary authority with quarterly account reviews. Its planning process is centered on a Financial Road Map® and routinely addresses operational topics beyond investments, including cash‑flow and cash‑reserve planning, tax coordination (with use of Holistiplan and referrals to tax professionals), debt management, and cybersecurity and document‑organization practices.

Notable distinctions include the firm’s use of third‑party estate‑planning platforms (Trust & Will and Encore Estate) and disclosure that it may pay those providers for access, its use of the DPL platform to evaluate commission‑free annuities while maintaining insurance appointments for facilitation rather than commission sales, and an explicit policy limiting discretionary digital‑asset allocations to roughly 3%. Though recently formed and registered in 2024–2025, the firm manages about $40.7 million in discretionary assets for a small client base and emphasizes integrated operational and cyber‑security guidance as part of its planning work.