Apple & Associates provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 1–10 clients last fiscal year.
Apple & Associates reports 247 clients. They include 199 individual clients, 40 high-net-worth individuals, and 8 pension and profit-sharing plans. Of its assets, 100.0% ($138M across 525 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 81% | 32% |
| High-net-worth individuals | 16% | 63% |
| Pension and profit-sharing plans | 3% | 2% |
| Corporations and other businesses | Fewer than 5 | 2% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 199 | $44.7M | 32.4% | $224K |
| High-net-worth individuals | 40 | $86.7M | 63.0% | $2.17M |
| Pension and profit-sharing plans | 8 | $3.18M | 2.3% | $398K |
| Corporations and other businesses | Fewer than 5 | $3.12M | 2.3% | — |
| Total | 247 | $138M | 100% | — |
- Clients
- 199
- Regulatory AUM
- $44.7M
- AUM share
- 32.4%
- Avg. per client
- $224K
- Clients
- 40
- Regulatory AUM
- $86.7M
- AUM share
- 63.0%
- Avg. per client
- $2.17M
- Clients
- 8
- Regulatory AUM
- $3.18M
- AUM share
- 2.3%
- Avg. per client
- $398K
- Clients
- Fewer than 5
- Regulatory AUM
- $3.12M
- AUM share
- 2.3%
- Avg. per client
- —
Total
- Clients
- 247
- Regulatory AUM
- $138M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Apple & Associates charges 0.50%–1.50% a year for its Investment Management Services. The fee is billed in arrears and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning
- Financial planning is billed at an hourly fee of up to $150, negotiated by scope, with a deposit of 25% of the estimated fee.
Daniel Apple owns 50% to 75% of Apple & Associates. The leadership team of Apple & Associates includes Chief Compliance Officer Michelle Apple. It has 4 employees, 3 of them in advisory roles.
Leadership
- Michelle ApplePartner/Chief Compliance Officer
- Daniel ApplePartner
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
Staff
- 4 employees
- 3 in advisory functions
- 3 state-registered reps
- 3 insurance agents
- Owns 50% to 75% of Apple & Associates
Daniel Apple
Control person · since January 2001
- Owns 50% to 75% of Apple & Associates
Michelle Apple
Control person · since January 2001
Besides its headquarters, Apple & Associates has 1 office (1 private residence, listed without an address), with 1 listed address in California.
California · 1 listed address
- 565 Brunswick Road, Suite 8, Grass ValleyHQ
Contact and registration details
- Legal name
- Apple & Associates
- Headquarters
- 565 Brunswick Road, Suite 8, Grass Valley, CA 95945
- Website
- Not reported
- Phone
- 530-272-1346
- @apple-associates
- SEC file
- 801-134872
- Structure
- California partnership
- Fiscal year end
- December
Apple & Associates uses Charles Schwab ($138M) as custodian for its separately managed accounts. Apple & Associates has custody of $54.9M in client assets for 146 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $138M100%
At year end, Apple & Associates’ separately managed accounts were largely in stocks (49%) and funds (47%).
What the accounts hold
- Stocks49%
- Funds47%
- Cash4%
How many clients does Apple & Associates have?
Apple & Associates has 247 clients and manages $138 million for them, as of March 2026. They include 199 individual clients, 40 high-net-worth individuals, and 8 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 4 March 2026
What services does Apple & Associates offer?
Apple & Associates provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Apple & Associates charge?
Apple & Associates charges 0.50%–1.50% a year for its Investment Management Services. The fee is billed in arrears and is negotiable.
Source: DISCLOSURE DOCUMENT FOR ALL CLIENTS, filed 4 March 2026
Which custodians does Apple & Associates use?
Apple & Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $138M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 4 March 2026
How many financial advisors does Apple & Associates have?
Apple & Associates has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Apple & Associates invest in?
At the end of its last fiscal year, Apple & Associates’ separately managed accounts held 49% exchange-traded equities, 47% registered funds (mutual funds, ETFs, BDCs) and 4% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Apple & Associates?
Apple & Associates’ direct owners are Daniel Apple (50% to 75%) and Michelle Apple (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 4 March 2026
How does Apple & Associates get paid?
Apple & Associates is paid through a percentage of assets under management and hourly charges. 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
How do I contact Apple & Associates?
Apple & Associates’ main office is at 565 Brunswick Road, Suite 8, Grass Valley, CA 95945. Its phone number is 530-272-1346.