{"url":"https://nivawealth.com/firms/af-advisors-149683","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/149683","regulatoryAum":479817614,"crd":"149683","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2712051","suffix":null,"lastName":"ADAMS","firstName":"JEFFREY","middleName":"SHERBURNE"},{"crd":"2163086","suffix":null,"lastName":"ADAMS","firstName":"NINA","middleName":"ENGINEER"}],"total":2,"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":"2021-03-16","regulatoryAum":214858905,"clients":34,"employees":2,"offices":1},{"filedOn":"2022-03-09","regulatoryAum":187476868,"clients":32,"employees":2,"offices":1},{"filedOn":"2023-03-06","regulatoryAum":236308376,"clients":36,"employees":2,"offices":1},{"filedOn":"2024-03-21","regulatoryAum":442516036,"clients":38,"employees":2,"offices":1},{"filedOn":"2025-03-11","regulatoryAum":737096379,"clients":39,"employees":2,"offices":2},{"filedOn":"2026-03-16","regulatoryAum":479817614,"clients":43,"employees":2,"offices":2}],"secFileNumber":"801-114137","legalName":"Af Advisors, Inc.","displayName":"Af Advisors","slug":"af-advisors-149683","website":"https://adamsashby.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"California corporation","fiscalYearEnd":"December","headquarters":{"street":"3508 Cody Way, Suite 100","city":"Sacramento","state":"CA","stateName":"California","country":"United States","postalCode":"95864"},"tradeNames":["Adams Ashby Financial Advisors"],"registration":{"secApproved":"16 October 2018","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":11883251.125,"staff":{"employees":2,"advisory":2,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":479817614,"discretionary":479422153,"discretionaryAccounts":99,"nonDiscretionary":395461,"nonDiscretionaryAccounts":3,"wrapProgram":null,"nonUsClientsPct":1,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":12,"regulatoryAum":1971175},{"label":"High-net-worth individuals","clients":28,"regulatoryAum":473358870},{"label":"Pension and profit-sharing plans","clients":2,"fewerThan5":true,"regulatoryAum":4092108},{"label":"Charitable organizations","clients":1,"fewerThan5":true,"regulatoryAum":395461}],"feePrograms":[{"role":"main","program":"Comprehensive Portfolio Management","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019263","versionId":1019263,"ratePeriod":"annual","fee_billing":null,"submittedOn":"2026-03-16","documentName":"AF - ADV PART 2A: FIRM BROCHURE","fee_rate_low":1.25,"fee_rate_high":1.25,"fee_negotiable":false,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T06:50:07.924141+00:00","documents":[{"name":"AF - ADV PART 2A: FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019263","versionId":1019263,"submittedOn":"2026-03-16"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":479817614}],"custodyNote":"Af Advisors has custody of $429M for 8 clients.","otherCustodians":[],"leadership":[{"name":"Jeffrey Adams","title":"President and Chief Compliance Officer","crd":"2712051"},{"name":"Nina Adams","title":"Owner and Investment Adviser Representative","crd":"2163086"}],"ownership":[{"label":"Jeffrey Adams","detail":"President and chief compliance officer in the 75% or more ownership band and a control person, since April 2009."},{"label":"Nina Adams","detail":"Owner and investment adviser representative in the 10% to 25% ownership band, since March 2010."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"3508 Cody Way, Suite 100","city":"Sacramento","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"916-333-5989","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":56},{"label":"U.S. government/agency bonds","percent":11},{"label":"Securities issued by registered investment companies or business development companies","percent":8},{"label":"Cash and cash equivalents","percent":25}],"privateFunds":0},"sources":{"adv1FilingDate":"16 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/149683/PDF/149683.pdf","brochureDate":"16 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1019263","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 Af Advisors have?","answer":"Af Advisors has 43 clients and manages $480 million for them, as of March 2026. They include 28 high-net-worth individuals, 12 individual clients, and 2 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Af Advisors offer?","answer":"Af Advisors provides portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Af Advisors charge?","answer":"Af Advisors charges 1.25% a year for its Comprehensive Portfolio Management. The fee is not negotiable.","source":"AF - ADV PART 2A: FIRM BROCHURE, filed 16 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Af Advisors use?","answer":"Af Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $480M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 16 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Af Advisors have?","answer":"Af Advisors has 2 investment adviser representatives registered with state securities authorities, out of 2 employees, and 2 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 Af Advisors invest in?","answer":"At the end of its last fiscal year, Af Advisors’ separately managed accounts held 56% exchange-traded equities, 25% cash and equivalents, 11% U.S. government and agency bonds and 8% registered funds (mutual funds, ETFs, BDCs).","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 Af Advisors?","answer":"Af Advisors’ direct owners are Jeffrey Adams (75% or more) and Nina Adams (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Af Advisors get paid?","answer":"Af Advisors is paid through a percentage of assets under management. 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 Af Advisors?","answer":"Af Advisors’ main office is at 3508 Cody Way, Suite 100, Sacramento, CA 95864. Its phone number is 916-333-5989. Its website is adamsashby.com.","source":"Form ADV Part 1A, Item 1.F, filed 16 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/af-advisors-149683/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-31","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1818044/000181804426000003/0001818044-26-000003-index.html","totalValue":203598155,"positionCount":30,"top10Share":0.9604739050803285,"top10":[{"issuer":"FAIR ISAAC CORP","titleOfClass":"COM","cusip":"303250104","value":150351115,"shares":125840,"shareType":"SH","priorValue":134569822,"priorShares":126056},{"issuer":"VANGUARD WHITEHALL FDS","titleOfClass":"HIGH DIV YLD","cusip":"921946406","value":18782522,"shares":118854,"shareType":"SH","priorValue":17603732,"priorShares":118864},{"issuer":"SPDR SERIES TRUST","titleOfClass":"ST STR SP600 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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."}