21st Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
21st Financial is a small independent advisory firm that manages roughly $1.26 million across about 27 client accounts and provides discretionary and non-discretionary portfolio management along with financial planning. Its brochure states it serves a broad range of clients — including individuals, high-net-worth individuals, and closely held businesses — and also discloses relationships with various institutional and organizational client types such as charitable organizations, pension or profit-sharing plans, corporate clients, other investment advisers, banking and insurance entities, state or municipal governments, and sovereign wealth entities.
The firm’s investment approach emphasizes customized, long-term portfolios built around Bitcoin and Bitcoin-related instruments, with model allocations to Bitcoin, Bitcoin credit instruments, and companies whose principal asset is Bitcoin typically in the 10–55% range and the option to concentrate further at a client’s direction. 21st Financial combines fundamental and technical analysis, position sizing, and—where available—derivatives and options to tailor volatility and return profiles, provides written quarterly reports, and integrates Bitcoin self-custody and inheritance planning into its financial planning services.
Distinctive features include hands-on advisory work on Bitcoin self-custody and multisignature wallet setup (coordinated with a third-party provider) while expressly not holding client private keys, and offering that multisig setup to non-clients under a separate agreement. For a solo adviser with modest assets under management, the firm’s stated client mix and its willingness to run concentrated, issuer-specific Bitcoin credit strategies and serve a range of institutional client types are atypical among peers, and the brochure documents policies and disclosures intended to manage related conflicts.
Client services
Expertise
Fee options
Multisig setup fee: $1,500 for non-clients; $500 for clients with less than $100,000 AUM; no charge for clients with $100,000 or more AUM
1.21% annually
Main office
Larimore ND
Advisors at this office
1
Most active in
North Dakota
Also doing business as
21 St Financial · 21 St Financial LLC
Disclosures
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Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
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Broker-dealer / trader
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Bank
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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