Calibration Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Calibration Financial is a state‑registered, single‑advisor investment advisory firm that provides financial planning and discretionary investment management to individuals, high‑net‑worth clients, and retirement plan sponsors. Services described in its brochure include comprehensive and limited financial planning, ongoing wealth management, investment management largely using ETFs, and retirement plan consulting for employer‑sponsored plans.
The firm generally constructs globally diversified, low‑cost, buy‑and‑hold ETF portfolios tailored to each client’s goals and risk tolerance, with periodic rebalancing and occasional tactical adjustments; it may also recommend mutual funds, individual securities, or outside managers. Financial planning engagements range from one‑time plans to ongoing wealth management—foundational clients receive a 30‑minute onboarding and semiannual 60‑minute reviews—and the firm can advise on held‑away workplace retirement accounts using a third‑party order management system (Pontera Solutions, Inc.) with allocation‑only access.
What is distinctive for a firm of this size is its ongoing retirement plan consulting and its role as a fiduciary to employer plans (as described under ERISA), a service relatively uncommon among similar independent advisors. With roughly $16.2 million in assets under management and about 85 clients, the firm also offers limited direct‑at‑fund programs and relies on custodial and technology arrangements and third‑party managers to support both individual and plan clients.
Client services
Expertise
Fee options
Retirement plan consulting fees up to 1.00% of assets under advisement, negotiable; flat annual advisory fee.
$0 - $100,000: 1.20% $100,001 - $500,000: 1.05% $500,001 - $1,000,000: 0.85% $1,000,001 - $2,000,000: 0.60% $2,000,001+: 0.30%
Hourly consultation fees range from $150 to $300 per hour.
Account minimum: $200,000 Minimum fee: Ongoing wealth management annual fee generally ranges from $1,200 to $10,000, negotiable and subject to annual adjustments. Fee-only: Financial planning fees ranging from $3,000 to $6,000 for standalone plans; hourly consultation at $150-$300 per hour.
Main office
120 Central Avenue North, Suite A
Milaca MN 56353
Advisors at this office
1
Most active in
California · Colorado · Florida · Minnesota · Texas
Also doing business as
Calibration Financial · Calibration Financial, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)