{"url":"https://nivawealth.com/firms/46-peaks-306902","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/306902","regulatoryAum":272139518,"crd":"306902","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2772262","suffix":"III","lastName":"FANCHER","firstName":"LOUIS","middleName":"CLAY"},{"crd":"3078426","suffix":null,"lastName":"HEINDEL","firstName":"BRAD","middleName":"KENNETH"},{"crd":"2016965","suffix":null,"lastName":"MOSHOLT","firstName":"ERIK","middleName":"NMN"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2021-04-21","regulatoryAum":163899000,"clients":95,"employees":6,"offices":1},{"filedOn":"2022-03-28","regulatoryAum":182321461,"clients":101,"employees":4,"offices":1},{"filedOn":"2023-03-16","regulatoryAum":187974393,"clients":116,"employees":4,"offices":1},{"filedOn":"2024-03-22","regulatoryAum":197578430,"clients":119,"employees":4,"offices":3},{"filedOn":"2025-03-26","regulatoryAum":212315745,"clients":124,"employees":4,"offices":3},{"filedOn":"2026-04-20","regulatoryAum":272139518,"clients":135,"employees":5,"offices":3}],"secFileNumber":"801-117945","legalName":"46 Peaks LLC","displayName":"46 Peaks","slug":"46-peaks-306902","website":"https://46peaks.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2019","organization":"Pennsylvania limited liability company","fiscalYearEnd":"December","headquarters":{"street":"760 Newtown Yardley Road, Suite 114","city":"Newtown","state":"PA","stateName":"Pennsylvania","country":"United States","postalCode":"18940"},"tradeNames":[],"registration":{"secApproved":"10 January 2020","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2002685.822222222,"staff":{"employees":5,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":1},"aum":{"regulatory":272139518,"discretionary":272139518,"discretionaryAccounts":445,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":44,"regulatoryAum":21084281},{"label":"High-net-worth individuals","clients":91,"regulatoryAum":249278305},{"label":"Pension and profit-sharing plans","clients":null,"fewerThan5":true,"regulatoryAum":1776932}],"feePrograms":[{"role":"main","program":"Portfolio Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042050","versionId":1042050,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-04-20","documentName":"46 PEAKS INVESTMENT ADVISORY GROUP, LLC ADV BROCHURE","fee_rate_low":0.35,"fee_rate_high":1.15,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Discovery Analysis","summary":"Fixed fee of $1,000 to $5,000, payable in advance and not refundable once the analysis is performed.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042050","versionId":1042050,"submittedOn":"2026-04-20","documentName":"46 PEAKS INVESTMENT ADVISORY GROUP, LLC ADV BROCHURE"},{"role":"other","program":"Financial Planning Services","summary":"Annual retainer of a fixed $2,500 to $25,000, or an asset-based fee of 0.15% of total assets excluding the primary residence; negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042050","versionId":1042050,"submittedOn":"2026-04-20","documentName":"46 PEAKS INVESTMENT ADVISORY GROUP, LLC ADV BROCHURE"},{"role":"other","program":"Retirement Plan Consulting Services","summary":"Annual fixed fee of $5,000 to $250,000, or an asset-based fee of 0.10% to 0.50% of plan assets; negotiable.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042050","versionId":1042050,"submittedOn":"2026-04-20","documentName":"46 PEAKS INVESTMENT ADVISORY GROUP, LLC ADV BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:31:37.715339+00:00","documents":[{"name":"46 PEAKS INVESTMENT ADVISORY GROUP, LLC ADV BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042050","versionId":1042050,"submittedOn":"2026-04-20"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":254193895}],"custodyNote":"46 Peaks has custody of $20.4M for 56 clients.","otherCustodians":[],"leadership":[{"name":"Linda Valente","title":"Chief Compliance Officer","crd":"2500447"},{"name":"Louis Fancher","title":"Managing Member","crd":"2772262"},{"name":"Brad Heindel","title":"Director of Research","crd":"3078426"},{"name":"Erik Mosholt","title":"Managing Member","crd":"2016965"}],"ownership":[{"label":"Louis Fancher","detail":"Managing member in the 25% to 50% ownership band and a control person, since February 2020."},{"label":"Erik Mosholt","detail":"Managing member in the 25% to 50% ownership band and a control person, since February 2020."},{"label":"Linda Valente","detail":"Chief compliance officer in the 5% to 10% ownership band and a control person, since November 2021."},{"label":"Brad Heindel","detail":"Director of research in the 10% to 25% ownership band and a control person, since February 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":2},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Pennsylvania","offices":1,"addresses":[{"street":"760 Newtown Yardley Road, Suite 114","city":"Newtown","headquarters":true}]}],"brochureServices":["insurance"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"215-497-8310","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Securities issued by registered investment companies or business development companies","percent":96},{"label":"Securities issued by pooled investment vehicles (other than registered investment companies)","percent":2},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"20 April 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/306902/PDF/306902.pdf","brochureDate":"20 April 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1042050","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does 46 Peaks have?","answer":"46 Peaks has 135 clients and manages $272 million for them, as of April 2026. They include 91 high-net-worth individuals and 44 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 20 April 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does 46 Peaks offer?","answer":"46 Peaks provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, and insurance.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does 46 Peaks charge?","answer":"46 Peaks charges 0.35%–1.15% a year for its Portfolio Management Services. The fee is billed in advance and is negotiable.","source":"46 PEAKS INVESTMENT ADVISORY GROUP, LLC ADV BROCHURE, filed 20 April 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does 46 Peaks use?","answer":"46 Peaks’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $254M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 20 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does 46 Peaks have?","answer":"46 Peaks has 3 investment adviser representatives registered with state securities authorities, out of 5 employees, and 3 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does 46 Peaks invest in?","answer":"At the end of its last fiscal year, 46 Peaks’ separately managed accounts held 96% registered funds (mutual funds, ETFs, BDCs), 2% pooled vehicles (private funds and similar) and 2% cash and equivalents.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns 46 Peaks?","answer":"46 Peaks’ direct owners are Louis Fancher, Erik Mosholt, Linda Valente and Brad Heindel, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 20 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does 46 Peaks get paid?","answer":"46 Peaks is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact 46 Peaks?","answer":"46 Peaks’ main office is at 760 Newtown Yardley Road, Suite 114, Newtown, PA 18940. Its phone number is 215-497-8310. Its website is 46peaks.com.","source":"Form ADV Part 1A, Item 1.F, filed 20 April 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/46-peaks-306902/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-04","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2112665/000117266126003041/0001172661-26-003041-index.html","totalValue":159028109,"positionCount":30,"top10Share":0.9171621917481267,"top10":[{"issuer":"J P MORGAN EXCHANGE TRADED F","titleOfClass":"CORE PLUS BD ETF","cusip":"46641Q670","value":30202416,"shares":643426,"shareType":"SH","priorValue":28762349,"priorShares":610925},{"issuer":"WISDOMTREE TR","titleOfClass":"US EFFIC CORE FD","cusip":"97717Y790","value":22825014,"shares":386537,"shareType":"SH","priorValue":23101824,"priorShares":442988},{"issuer":"ISHARES TR","titleOfClass":"CORE DIV 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Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}