{"url":"https://nivawealth.com/firms/a-o-wealth-advisory-llc-288301","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/288301","regulatoryAum":213203341,"crd":"288301","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7384875","suffix":null,"lastName":"Douglass","firstName":"Daycen","middleName":"Steele"},{"crd":"7736026","suffix":"III","lastName":"Leon","firstName":"Jose","middleName":"Luis"},{"crd":"3231002","suffix":null,"lastName":"OBRECHT","firstName":"ADAM","middleName":"BAIN"},{"crd":"6448810","suffix":null,"lastName":"WILLIAMS","firstName":"ERIC","middleName":"RANDALL"}],"total":4,"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":"2021-03-08","regulatoryAum":100498343,"clients":278,"employees":2,"offices":1},{"filedOn":"2022-05-26","regulatoryAum":126275023,"clients":259,"employees":2,"offices":1},{"filedOn":"2023-02-17","regulatoryAum":121445030,"clients":301,"employees":3,"offices":1},{"filedOn":"2024-03-14","regulatoryAum":146749163,"clients":304,"employees":3,"offices":1},{"filedOn":"2025-07-18","regulatoryAum":174164780,"clients":311,"employees":3,"offices":1},{"filedOn":"2026-02-10","regulatoryAum":213203341,"clients":311,"employees":7,"offices":1}],"secFileNumber":"801-120730","legalName":"A.o. Wealth Advisory,llc","displayName":"A.o. Wealth Advisory,llc","slug":"a-o-wealth-advisory-llc-288301","website":"https://aowealthadvisory.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/ao-wealth-advisory","xUrl":"https://twitter.com/AOWealth","founded":null,"organization":"Iowa limited liability company","fiscalYearEnd":"December","headquarters":{"street":"2570 106th Street, Suite A","city":"Urbandale","state":"IA","stateName":"Iowa","country":"United States","postalCode":"50322"},"tradeNames":[],"registration":{"secApproved":"8 April 2021","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":665376.2953020134,"staff":{"employees":7,"advisory":4,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":213203341,"discretionary":200919186,"discretionaryAccounts":1121,"nonDiscretionary":12284155,"nonDiscretionaryAccounts":3,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":238,"regulatoryAum":78537447},{"label":"High-net-worth individuals","clients":60,"regulatoryAum":119744689},{"label":"Pension and profit-sharing plans","clients":13,"regulatoryAum":14921205}],"feePrograms":[{"role":"other","program":"Financial Planning and Consulting","summary":"Financial planning and consulting carry a monthly service fee not exceeding $300, or consulting billed at an hourly rate of $300 on a fixed fee or retainer.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007672","versionId":1007672,"submittedOn":"2026-02-10","documentName":"FORM ADV PART 2 AND 2B 020926"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T15:45:44.529189+00:00","documents":[{"name":"FORM ADV PART 2 AND 2B 020926","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007672","versionId":1007672,"submittedOn":"2026-02-10"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":192400000}],"custodyNote":"A.o. Wealth Advisory,llc has custody of $4.22M in client assets for 2 clients.","leadership":[{"name":"Adam Obrecht","title":"Managing Member and Chief Compliance Officer","crd":"3231002"},{"name":"Eric Williams","title":"Part Owner","crd":"6448810"}],"ownership":[{"label":"Adam Obrecht","detail":"Managing member and chief compliance officer in the 75% or more ownership band and a control person, since June 2017."},{"label":"Eric Williams","detail":"Part owner in the 5% to 10% ownership band, since January 2021."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Iowa","offices":1,"addresses":[{"street":"2570 106th Street, Suite A","city":"Urbandale","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"515-224-7849","stateRegisteredReps":4,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","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","Educational seminars/workshops"],"financialPlanningClients":"251-500","assetMix":[{"label":"Exchange-traded equity securities","percent":8},{"label":"U.S. government/agency bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":84},{"label":"Cash and cash equivalents","percent":6},{"label":"Other","percent":1,"detail":"Variable Annuity Sub Accounts"}],"privateFunds":0},"sources":{"adv1FilingDate":"10 February 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/288301/PDF/288301.pdf","brochureDate":"10 February 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1007672","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 A.o. Wealth Advisory,llc have?","answer":"A.o. Wealth Advisory,llc has 311 clients and manages $213 million for them, as of February 2026. They include 238 individual clients, 60 high-net-worth individuals, and 13 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 10 February 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does A.o. Wealth Advisory,llc offer?","answer":"A.o. Wealth Advisory,llc provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does A.o. Wealth Advisory,llc use?","answer":"A.o. Wealth Advisory,llc’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $192M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 February 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does A.o. Wealth Advisory,llc have?","answer":"A.o. Wealth Advisory,llc has 4 investment adviser representatives registered with state securities authorities, out of 7 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","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 A.o. Wealth Advisory,llc invest in?","answer":"At the end of its last fiscal year, A.o. Wealth Advisory,llc’s separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 8% exchange-traded equities, 6% cash and equivalents, 1% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% other. The 1% other category is described as: Variable Annuity Sub Accounts.","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 A.o. Wealth Advisory,llc?","answer":"A.o. Wealth Advisory,llc’s direct owners are Adam Obrecht (75% or more) and Eric Williams (5% to 10%).","source":"Form ADV Part 1A, Schedules A and B, filed 10 February 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does A.o. Wealth Advisory,llc get paid?","answer":"A.o. Wealth Advisory,llc is paid through a percentage of assets under management, hourly charges 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":"Is A.o. Wealth Advisory,llc registered with the SEC?","answer":"Yes, A.o. Wealth Advisory,llc has been registered with the SEC as an investment adviser since 8 April 2021. Its CRD number is 288301 and its SEC file number is 801-120730.","source":"Form ADV Part 1A, Item 1, filed 10 February 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact A.o. Wealth Advisory,llc?","answer":"A.o. Wealth Advisory,llc’s main office is at 2570 106th Street, Suite A, Urbandale, IA 50322. Its phone number is 515-224-7849. Its website is aowealthadvisory.com.","source":"Form ADV Part 1A, Item 1.F, filed 10 February 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. 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."}