Nothing hidden.
Everything on the record.

Grounded Wealth, LLC ("Grounded Wealth," "we," "us," or "our") is a Registered Investment Adviser under applicable federal and state securities laws. Our registration as an investment adviser does not imply a certain level of skill or training. Additional information about the firm is publicly available through the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.

The Grounded One™ platform — financial planning tools, life-management software, and educational guidance — is a separate service operated by Zero2M, LLC. Grounded One does not provide investment advice and is not a registered investment adviser. Use of the Grounded One platform does not create an investment advisory relationship; an advisory relationship is established only through a written Investment Advisory Agreement executed with Grounded Wealth, LLC.

Investment adviser

Grounded Wealth, LLC

Firm CRD #

314801

Registration

State of Minnesota

Principal office

601 Carlson Parkway, Minnetonka, MN 55305

Planning platform operator

Zero2M, LLC (Grounded One™)

Effective date

April 3, 2026

The firm does not act as a broker-dealer, does not accept commissions, and is compensated only by fees disclosed in Form ADV Part 2A and in written client agreements.

Form ADV Part 2A is the official disclosure document required of every Registered Investment Adviser. The full filing covers our advisory services, fee structure, conflicts of interest, disciplinary history, and other items prescribed by the SEC. Highlights from our current brochure:

• Fee-only, fiduciary advisor; no commissions and no third-party referral compensation
• Tiered structure: Essentials (membership + 0.55% AUM), Comprehensive (membership + 0.79% AUM), Advisory Wealth (membership + up to 0.79% tiered), Digital Family Office (household fee, no AUM)
• AUM fees capped at 0.79% annually, billed quarterly in advance, debited from custodial accounts under written client authorization
• Either party may terminate with 30 days’ written notice; prepaid unearned fees are refunded on a prorated basis
• Approximately $31 million in client assets under management on a discretionary basis
• Custodians: Charles Schwab & Co., Inc. and Altruist Financial LLC (assets held independent of the firm)
• No performance-based fees and no proxy voting on behalf of clients
• No reportable disciplinary history for the firm or its principal
• Material affiliated relationship with Zero2M, LLC (Grounded One™ platform) — disclosed in Item 10

Prospective and existing clients are entitled to receive a copy of the current Form ADV Part 2A at no cost. We deliver an updated brochure annually and whenever a material change occurs.

Form ADV Part 2B ("Brochure Supplement") is delivered alongside Part 2A and provides specific information about the supervised persons at Grounded Wealth, LLC who provide investment advice to you, including educational and professional background, disciplinary information, other business activities, and supervision.

A current Brochure Supplement for Nicholas Tilli, CFP®, Founder and Principal, is available on request at no cost.

Form CRS is a concise, two-page disclosure required by the SEC, written in plain English, designed to help retail investors compare advisory firms. It covers the types of services we offer, the fees you will pay, the conflicts of interest we face, our disciplinary history, and the standards of conduct that apply.

Key questions Form CRS answers

• What investment services and advice can you provide me?
• What fees will I pay?
• What are your legal obligations to me when acting as my investment adviser?
• How do your financial professionals make money?
• Do you or your financial professionals have legal or disciplinary history?

If you have not received our current Form CRS, or if you would like to ask any of the conversation starters above, please contact us and we will provide it immediately.

Grounded Wealth, LLC has adopted a written Code of Ethics pursuant to Rule 204A-1 under the Investment Advisers Act of 1940. The Code sets the standard of business conduct that we require of all supervised persons and is designed to ensure that the interests of clients are placed ahead of the interests of the firm and its personnel.

• Fiduciary duty of loyalty and care owed to every client
• Compliance with federal and state securities laws
• Personal trading pre-clearance and reporting requirements
• Insider information policies and information-barrier procedures
• Gift and entertainment limits
• Prompt reporting of any violations to the Chief Compliance Officer

A copy of the full Code of Ethics is available to any client or prospective client on request at no cost.

Grounded Wealth, LLC maintains a written Business Continuity Plan ("BCP") that addresses how we will respond to events that significantly disrupt our business, including natural disasters, technology outages, and the loss or unavailability of key personnel.

• Primary and alternate communication channels for clients
• Cloud-based systems with redundant, encrypted backups
• Third-party qualified custodian relationships independent of our offices
• A documented succession plan in the event of the founder's death or disability
• Annual review and testing of the plan

A summary of the BCP is available on request. Client assets are held by an independent, qualified custodian and are not dependent on the continued operation of our firm.

Grounded Wealth, LLC and each of its investment adviser representatives are fiduciaries. This means we are legally and ethically required to act in your best interest, to provide advice that is suitable and appropriate for your circumstances, to disclose material conflicts of interest, and to seek best execution on your behalf.

What the fiduciary standard means in practice

• We put your interests ahead of our own in every recommendation.
• We disclose material conflicts in writing before you engage us.
• We do not accept commissions, referral fees, revenue sharing, or sales-based compensation from product sponsors.
• We bill transparently from accounts you can see and audit.
• We recommend only strategies and solutions we would select for our own families.

The fiduciary standard is not a marketing claim. It is a legal obligation. If we ever fall short of it, you have the right to complain, to terminate the relationship, and to seek redress.

Grounded Wealth, LLC is a fee-only firm. We are compensated exclusively by fees paid directly by our clients and receive no commissions, no product-sponsor compensation, no 12b-1 fees, no trail compensation, and no revenue-sharing payments from custodians, fund companies, or insurance carriers.

How we are paid

• A membership fee tied to your service tier, billed monthly, quarterly, or annually as elected in your client agreement.
• An assets-under-management (AUM) fee, never exceeding 0.79% annualized, billed quarterly in advance and debited from a custody-held account under your written authorization.
• Tiers: Essentials (membership + 0.55% AUM), Comprehensive (membership + 0.79% AUM), Advisory Wealth (membership + up to 0.79% tiered), and Digital Family Office (household fee, no AUM fee).

Termination and refunds

Either party may terminate the advisory relationship with 30 days’ written notice. Any prepaid but unearned fees are refunded to you on a prorated basis. Membership fees are processed through Stripe, invoiced directly, or billed via custodial accounts; AUM fees are debited from custodial accounts only with your written authorization.

Complete, current fee schedules are disclosed in Form ADV Part 2A and in the written agreement you sign before any engagement begins. Fees are negotiable at the firm’s discretion as described in the Form ADV.

The Investment Advisers Act of 1940 requires us to disclose all material conflicts of interest so that clients can provide informed consent. A complete list of our conflicts is maintained in Form ADV Part 2A. The following summary is provided for convenience and is not exhaustive.

• Because we charge a membership fee, we have an incentive to retain clients even if circumstances suggest a different firm might serve them better. We mitigate this by offering an unconditional right to terminate with 30 days’ notice and a prorated refund of unearned fees.
• Because a portion of our compensation can be AUM-based, we may have an incentive to recommend that you retain assets under management rather than, for example, paying down a mortgage. We mitigate this by providing advice on a holistic-balance-sheet basis rather than an AUM-maximizing basis.
• Because we recommend a limited number of custodians and use iRebal — a portfolio rebalancing tool owned by Charles Schwab & Co., Inc., one of our recommended custodians — there is a soft incentive to recommend Schwab. We evaluate custodians annually on behalf of clients, not on our own behalf, and clients are not required to use Schwab or Altruist.
• Outside business activities of supervised persons, if any, are disclosed in Form ADV Part 2B.

Affiliated relationship — Zero2M, LLC (Grounded One™)

Nicholas Tilli is the principal owner of both Grounded Wealth, LLC and Zero2M, LLC. Grounded Wealth pays Zero2M for access to the Grounded One platform under a written Intercompany Services Agreement: a flat monthly license fee of $500 plus a per-seat fee of $25 per active advisory client per month who uses the platform. This is a related-party transaction that financially benefits Zero2M and indirectly Mr. Tilli, and creates an incentive for Grounded Wealth to use Grounded One. Clients are not required to use the Grounded One platform. Grounded Wealth also holds exclusive rights to license the Grounded One platform within the registered investment adviser channel, which gives Grounded Wealth a business interest in Zero2M’s commercial success beyond the advisory relationship. The complete disclosure is in Form ADV Part 2A, Item 10.

We do not accept commissions, trail compensation, revenue sharing, or third-party referral payments of any kind.

Any client or prospective client who believes Grounded Wealth, LLC has made an error, failed to meet its fiduciary obligation, or otherwise acted improperly is encouraged to contact the Chief Compliance Officer directly. Written complaints are investigated promptly and the complainant is notified in writing of the outcome.

Chief Compliance Officer

Nicholas Tilli

Email

compliance@groundedwealth.com

Mailing address

601 Carlson Parkway, Minnetonka, MN 55305

You also have the right to contact your state securities regulator or the U.S. Securities and Exchange Commission. Contact information for each is available at adviserinfo.sec.gov.

Information we collect

• Contact information you provide through forms on this site (name, email, optional phone).
• Information required to onboard you as a client, including government identification, financial account information, and tax documents, collected under written engagement.
• Technical information automatically collected by our hosting provider and analytics tools, including IP address, device type, browser, referrer, and pages visited.

How we use it

• To respond to inquiries and schedule conversations you request.
• To provide advisory services under a written agreement.
• To meet regulatory, legal, and audit obligations.
• To improve the content and performance of this website.

What we do not do

• We do not sell, rent, or trade your personal information.
• We do not share your information with third parties for their marketing purposes.
• We do not use your data to train public AI models.

Identity verification and payments

Where identity verification is required, we use Stripe Identity. The process may involve government-issued identification and biometric comparison technology, processed by Stripe under its own terms and privacy policy. Payment card data is processed directly by Stripe in accordance with PCI DSS standards and is not stored on our systems. AUM-based advisory fees, where applicable, are debited directly from your custodial account under your written authorization rather than collected through this site.

We share information only with service providers engaged to support operations (e.g., qualified custodians, planning platforms, identity-verification and payment processors, email and analytics vendors) under written agreements that restrict their use of the data, or when required by law. For California residents (CCPA/CPRA) and EU residents (GDPR), additional rights apply on request: access, correction, deletion, portability, and opt-out of certain processing. To exercise these rights, contact privacy@groundedwealth.com.

Sharing between affiliated entities

Where you are both a Grounded Wealth advisory client and a Grounded One platform user, information may flow between the two entities only as necessary to deliver an integrated experience, limited to what is necessary, and subject to equivalent protections in this Policy.

Regulation S-P, retention, and minors

As a Registered Investment Adviser, Grounded Wealth is subject to SEC Regulation S-P; we deliver this Policy at engagement and annually thereafter, and do not share nonpublic personal financial information with unaffiliated third parties except as permitted by law. Grounded Wealth retains client records for a minimum of five years as required by SEC rules; the Grounded One platform retains user data for the duration of your account and as required by law. Our services are not directed to individuals under 18.

Change of control

If either entity undergoes a sale, merger, or transfer of majority ownership: you will be notified promptly of any change that materially affects your data or services; your financial planning data remains accessible to you regardless of any intercompany transition; your data will not be transferred to an acquiring party without your express written consent; Grounded Wealth will have a 90-day window to export your data in portable format following any change of control at Zero2M, LLC; and your advisory relationship with Grounded Wealth continues independently of any change in platform ownership.

Material changes

Material changes to this Policy will be communicated at least 30 days before they take effect. Continued use of the services after the effective date constitutes acceptance.

Cookies are small text files stored on your device that help a website remember information between visits. We use cookies and similar technologies only for the purposes listed below.

• Strictly necessary cookies required to load and secure the site.
• Preference cookies that remember your consent choices.
• Aggregate, privacy-respecting analytics that help us understand which content is useful. We do not use behavioral advertising cookies.

You can control cookies through your browser settings and through any cookie-consent interface we provide. Disabling strictly-necessary cookies may degrade site functionality.

By accessing groundedwealth.com and its subpages (the "Site"), and by using any associated platforms or services (collectively, the "Services") operated by Grounded Wealth, LLC and by Zero2M, LLC (which operates the Grounded One™ platform), you agree to these Terms of Use. If you do not agree, please do not use the Services. You represent that you are at least 18 years of age and have legal capacity to enter into these Terms.

Informational only — no advisory relationship from Site or platform use

All content on the Site and the Grounded One™ platform is provided for informational, educational, and planning purposes only. Nothing here is intended as, and nothing should be construed as, personalized investment, tax, accounting, or legal advice, or a recommendation to buy or sell any security. Use of the Site or the Grounded One platform does not create an investment advisory relationship. An advisory relationship with Grounded Wealth, LLC is established only through a written Investment Advisory Agreement executed by both parties.

No performance guarantees

Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal. Hypothetical or illustrative figures presented on the Site assume specific inputs, are not projections, and will differ materially from actual client experiences.

Identity verification and payments

To access certain services, you may be required to complete identity verification through Stripe Identity, our third-party identity-verification provider. Payment processing is handled by Stripe under PCI DSS standards. AUM-based advisory fees, where applicable, are debited directly from your custodial account under your written authorization. By proceeding with identity verification or payment, you agree to Stripe’s terms and privacy policy in addition to these Terms.

Permitted use

You may use the Services only for lawful purposes. You agree not to attempt unauthorized access to any portion of the Services or related systems, use automated means to monitor or copy content without written consent, reverse-engineer any software component, impersonate any person or entity, or transmit harmful or infringing material.

Intellectual property

All content on the Services, including text, graphics, logos, and the marks Grounded Wealth™, Grounded One™, Grounded Gus™, Financial Practice™, Personal Financial Practice™, Professional Financial Practice™, Life Dividends™, Grounded Flow™, Practice Solutions™, Practice Domains™, and Ambient Wealth™, is the property of Grounded Wealth, LLC, Zero2M, LLC, or their licensors and is protected by applicable law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, non-commercial purposes; this license does not include any right to reproduce, distribute, modify, or create derivative works from our proprietary content, methodology, or systems.

Third-party links

The Site may contain links to third-party sites. We do not control and are not responsible for the content of those sites.

Limitation of liability

To the maximum extent permitted by law, Grounded Wealth, LLC and Zero2M, LLC disclaim all warranties, express or implied, and shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services. This limitation does not apply to Grounded Wealth’s liability as a Registered Investment Adviser under applicable securities laws.

Governing law and dispute resolution

These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles. Disputes arising from the Services shall be resolved by binding arbitration in Minneapolis, Minnesota under the rules of the American Arbitration Association, except that either party may seek injunctive relief in court to prevent irreparable harm. This arbitration provision does not apply to claims under applicable securities laws.

Modifications

We may modify these Terms at any time. Material changes will be communicated at least 30 days before they take effect. Provisions that by their nature survive termination — including intellectual property, disclaimers, indemnification, and limitation of liability — survive any termination of your access to the Services.

Contact Grounded Wealth

General

hello@groundedwealth.com

Compliance

compliance@groundedwealth.com

Privacy

privacy@groundedwealth.com

Schedule a conversation

/contact

Verify our registration

• SEC Investment Adviser Public Disclosure — adviserinfo.sec.gov
• FINRA BrokerCheck — brokercheck.finra.org
• Your state securities regulator — nasaa.org

If you believe any information on this page is inaccurate, out of date, or inconsistent with a current regulatory filing, please notify compliance@groundedwealth.com immediately so we can correct it.