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· Est. MMXXI ·
A Boutique Registered Investment Adviser
Fee-Only · Fiduciary · Ponte Vedra, FL

In development. The Folio, BAFAos and the Household Health Score are being developed by BAFA Labs, Inc., a company under common ownership with Intellicapital. They are not used with client information or to provide advice or services to clients today. Pages describing them show what is being built, not what clients currently receive.

· The Claims Register
· The site's own substantiation file ·

Material claims on this site, on the record.

Material claims selected for substantiation are listed here with their governing source, evidence, verification date, and reopen trigger.

· Firm
Intellicapital Advisors, LLC
· CRD
316908
· SEC File
801-135277
· Verify at source
SEC IAPD →
· How to read this register ·
Tier A — operative. Describes something running today; a dated artifact is on file.
Tier B — architectural. Describes the design; promotion to Tier A requires dated operating evidence.
Tier C — forward-looking. Not permitted on these pages; any Tier C claim found is removed, not dated.
Verified by: CCO · TRUE — the cited artifact was located and its stated version/date was matched as of the verification date shown.
TRUE does not, by itself, certify filing submission, policy adoption, or operating effectiveness; each row’s posture states those limits.
i.

Registration & standing

"A registered investment adviser."
SEC · IAPD Tier A

Registered with the U.S. Securities and Exchange Commission. CRD #316908, SEC File #801-135277. Verifiable on the SEC’s public Investment Adviser Public Disclosure database.

Evidence · IAPD firm summary · CRD 316908 · public record checked 2026-08-17 · status Approved
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any change in registration status
"A fiduciary."
SEC · IA-5248 Tier A

As an SEC-registered adviser, the firm owes the fiduciary duties of care and loyalty under the Advisers Act, as interpreted in the SEC’s Commission Interpretation Regarding Standard of Conduct (IA-5248, 2019). Disciplinary history, if any, appears on IAPD.

Evidence · SEC Commission Interpretation IA-5248 (2019) · IAPD firm summary (2026-08-17)
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Registration change or disciplinary event
"Est. MMXXI · Ponte Vedra, FL."
Form ADV Part 1 Tier A

Organized in Florida in 2021; registered office 4210 Valley Ridge Blvd, Suite 105, Ponte Vedra, FL 32081, in the Jacksonville metro area, per the filed ADV amendment and the current IAPD record.

Evidence · ADV amendment as filed (Aug 2026) · Part 1A Item 1.F · current IAPD
Dated · Aug 18, 2026 · Verified · CCO · Aug 18, 2026
Reopens · Office relocation or ADV amendment (trigger re-armed Aug 18, 2026)
ii.

Fees & compensation

"Fee-only."
Form ADV 2A · Item 5 Tier A

The firm is compensated solely by client advisory fees. It receives no commissions, 12b-1 fees, or product compensation from any third party.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Items 4.A, 5.C, 5.E, 10.C, 14 · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any new compensation arrangement
"0.62%–1.12%, billed quarterly in advance."
Form ADV 2A · Item 5 Tier A

Tiered, blended advisory fee calculated on quarter-end value: 1.12% first $1M, 0.97% next $1M, 0.85% next $1M, 0.69% next $2M, 0.62% above $5M. Separate third-party platform fees of ~0.12–0.30% apply.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Item 5.A–5.B · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any amendment to the filed fee schedule
"Fixed-fee planning: $2,000–$3,500 comprehensive; $500 retirement income; $250–$850 tax; $600 family mapping; $300 digital footprint; $240/yr vault; $250/yr performance tracking."
Form ADV 2A · Item 5 Tier A

The planning menu on the Pricing page reproduces the fixed-fee schedule as filed, including the $125 Family Mapping annual update. A 50% deposit is collected at the start; for clients who enroll in investment management the remaining 50% is waived and the deposit credited.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Item 5.A–5.B · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any amendment to the filed planning menu
"Minimum relationship $250,000, may be waived."
Form ADV 2A · Item 7 Tier A

The stated account minimum and the firm’s discretion to waive it are disclosed in the brochure.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Items 5.A, 7 · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any change to the account minimum
"Tax-preparation reimbursement up to $400 / $825."
Form ADV 2A · Item 5 Tier A

Annual reimbursement toward a qualified preparer — up to $400 for households under $1M in managed assets and $825 at $1M and above — when the client provides the written authorization that enables coordinated tax planning.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Item 5.A, Tax Preparation Reimbursement · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any change to the reimbursement terms
iii.

Custody & platforms

"Your assets remain with qualified custodians."
Form ADV 2A · Items 12, 15 Tier A

Assets are held at independent qualified custodians — Charles Schwab and Fidelity. The firm takes no physical possession of client assets; it is deemed to have custody solely through fee deduction and standing letters of authorization, exactly as Items 12 and 15 disclose.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Items 12.A, 15 · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Custodian change or any custody event
"Institutional strategies via Adhesion Wealth."
Form ADV 2A · Items 4, 8 Tier A

Portfolio construction draws on third-party manager platforms (Adhesion Wealth, AssetMark) and Pontera for held-away retirement accounts, each disclosed.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Items 4.B, 8, 10.C · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Platform addition or termination
"Advised annuities may be included in billable assets."
Form ADV 2A · Item 5 Tier A

When advised on, an annuity’s value may be included in billable assets — a category distinct from regulatory assets under management — a conflict of interest the brochure discloses plainly.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Items 4.E, 5.A, 5.E, 10.C · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any change to the fee-base policy
iv.

Conflicts & related parties

"BAFAos is built by BAFA Labs."
Form ADV · Item 10 Tier A

BAFAos is developed and owned by BAFA Labs, Inc., a technology company under common ownership with the firm. Disclosed as a related-party conflict in Item 10.C.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Item 10.C · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Change in ownership, licensing, or client fees
"Estate documents via Wealth.com."
Form ADV 2A · Item 10 Tier A

Wealth.com is an independent provider; the firm drafts no legal documents, gives no legal advice, and receives no compensation from Wealth.com.

Evidence · ADV 2A Rev2.2 (2026-08-05) · Items 4.B, 10.C · sha c13928f5…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any compensation or affiliation change with Wealth.com
v.

Technology & the record

"Machine intelligence supports; supervised people decide."
Form ADV 2A · Item 4.B Tier A

No automated system independently gives client advice or effects a transaction; human review of client-facing recommendations is operative and disclosed.

Evidence · ADV 2A Rev2.2 · Item 4.B
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any change to the approval workflow or supervision procedures
"Approval is designed to bind to the exact version approved."
DR-01 · ADV 2A Item 4.B Tier B

The artifact-bound release gate — approval cryptographically tied to the exact document version — is an approved design (DR-01) whose implementation is tracked separately; operating effectiveness is not certified by this row.

Evidence · DR-01 ruling (commit 6e2e2fb3, FINAL 2026-07-21) · ADV 2A Item 4.B
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Dated operating evidence of the release gate, or any change to DR-01
"A dated registry snapshot contains 502 versioned planning-rule atoms."
BAFA Labs · registry v1.9 Tier B

Registry snapshot v1.9, dated 2026-08-13, contains 502 distinct planning-rule atoms; each records its governing authority, effective and expiry dates, and version. The count is pinned to that dated snapshot and changes only with a new one. Operating use of every atom is not certified by this row, and a detector without the facts it requires returns insufficient data rather than a finding.

Evidence · Atomic Ledger v1.9 (2026-08-13) · 502 distinct AtomIDs · ledger sha 9329d3e6… · evidence package sha 08212e21…
Dated · Aug 17, 2026 · Verified · CCO with BAFA Labs · Aug 17, 2026
Reopens · Registry version, count, or source-pin change
"Recommendation records are retained; richer evidence binding remains a governed build target."
Advisers Act · Rule 204-2 Tier B

Books and records are retained as Rule 204-2 requires. The fuller decision bundle described on the BAFAos page — inputs, assumptions, alternatives weighed, approvals, the delivered artifact — is a governed build target under DR-01; WORM and artifact-binding operating effectiveness is not certified by this row.

Evidence · Rule 204-2(a)(7), (11), (14), (16) (eCFR 2026-08-13) · ADV 2A Item 4.B · DR-01
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Change in records policy or dated production evidence
"Specialist systems remain independent service providers."
Form ADV 2A · Items 4, 10 Tier B

eMoney, Nitrogen, Black Diamond, and Wealth.com are independent service providers; the firm receives no compensation from any of them. Provider identity is confirmed; live status of each integration is tracked per connection in the service-provider inventory (v0.4, working) and is not certified wholesale by this row.

Evidence · ADV 2A Rev2.2 · Items 4.B, 10.C · Control Register v0.4 QA1 (2026-08-13) · sha ee21164f…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Provider, contract, data-flow, or integration-status change
"The Health Score is desk-initiated, not daily or autonomous."
Form ADV 2A · Item 13.A Tier A

The controlling disclosure is Item 13.A: score recomputation is initiated at the advisor’s desk, not by an autonomous scheduler. This row supersedes the prior daily-cadence design language; the cadence copy on the Health Score page, Journeys, Investment Management, WealthChat, and llms.txt now reads desk-initiated, per the sweep of Aug 18, 2026.

Evidence · ADV 2A Rev2.2 · Item 13.A · Control Register v0.4 QA1 (2026-08-13) · CD-06, TR-14
Dated · Aug 17, 2026 · Verified · CCO · Aug 18, 2026
Reopens · Any scheduler deployment, cadence change, or change to the desk-initiated posture
"The BAFAos household is a hypothetical composite."
Marketing Rule · 206(4)-1 Tier A

A composite constructed for illustration — not an actual client, not a testimonial, and not a representation that any client obtained these results. Every specimen and plate on this site is labelled hypothetical for the same reason.

Evidence · /bafaos disclosure section (site package 2026-08-17) · Rule 206(4)-1(a), eCFR 2026-08-13
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any specimen shown without its hypothetical label
vi.

Security & data

"The written security program specifies encryption and MFA."
ISP v2.2 · Reg S-P Tier B

The written program requires TLS 1.2+ in transit, AES-256 at rest, MFA for all personnel and portal access, role-based access, and audit logging. This row verifies the written policy text and version identity only — v2.2 expressly supersedes v2.1 — and does not certify operating effectiveness while the ISP’s adoption disposition is open.

Evidence · ISP v2.2 (effective 2026-08-03; supersedes v2.1) · §§1, 4 · sha 3c64809c…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · ISP re-cut or disposition, adoption status, or control change
"Website inquiries are not sold, rented, or traded."
Website policy · Reg S-P Tier B

The website policy governs visitor inquiries; the Reg S-P Privacy Notice governs client information under its own sharing table. Each policy is cited to its own scope, and the notice-to-practice data-flow reconciliation remains open (v0.4 TR-13).

Evidence · /privacy §ii (website policy v1.0) · Privacy Notice (effective 2026-08-03) · sha b4ace0e2…
Dated · Aug 17, 2026 · Verified · CCO · Aug 17, 2026
Reopens · Any change to website or client-information sharing

Hypothetical figures — the sample folio, the ledger, the health score, the fee illustration — are labeled as illustrative wherever they appear and represent no actual client. The material claims identified in this register trace to the sources above.

· Register maintained by the CCO · reviewed with each site change · last reviewed November 11, MMXXVI · head 73f5140 ·