{"url":"https://nivawealth.com/firms/apple-and-associates-126849","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/126849","regulatoryAum":137703665,"crd":"126849","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1285182","suffix":null,"lastName":"APPLE","firstName":"DANIEL","middleName":"BRYCE"},{"crd":"7635978","suffix":null,"lastName":"Apple","firstName":"Liam","middleName":"Bryce"},{"crd":"6883601","suffix":null,"lastName":"Bardon","firstName":"Dean","middleName":"Avraham"}],"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"},"secFileNumber":"801-134872","legalName":"Apple & Associates","displayName":"Apple & Associates","slug":"apple-and-associates-126849","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/apple-associates","founded":null,"organization":"California partnership","fiscalYearEnd":"December","headquarters":{"street":"565 Brunswick Road, Suite 8","city":"Grass Valley","state":"CA","stateName":"California","country":"United States","postalCode":"95945"},"tradeNames":[],"registration":{"secApproved":"26 January 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":549780.2635983264,"staff":{"employees":4,"advisory":3,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":137703665,"discretionary":137703665,"discretionaryAccounts":525,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":199,"regulatoryAum":44674642},{"label":"High-net-worth individuals","clients":40,"regulatoryAum":86722841},{"label":"Pension and profit-sharing plans","clients":8,"regulatoryAum":3182589},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":3123593}],"feePrograms":[{"role":"main","program":"Investment Management Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014535","versionId":1014535,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-04","documentName":"DISCLOSURE DOCUMENT FOR ALL CLIENTS","fee_rate_low":0.5,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial planning","summary":"Financial planning is billed at an hourly fee of up to $150, negotiated by scope, with a deposit of 25% of the estimated fee.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014535","versionId":1014535,"submittedOn":"2026-03-04","documentName":"DISCLOSURE DOCUMENT FOR ALL CLIENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T12:52:27.082463+00:00","documents":[{"name":"DISCLOSURE DOCUMENT FOR ALL CLIENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014535","versionId":1014535,"submittedOn":"2026-03-04"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":137677008}],"custodyNote":"Apple & Associates has custody of $54.9M in client assets for 146 clients.","otherCustodians":[],"leadership":[{"name":"Michelle Apple","title":"Partner/Chief Compliance Officer","crd":"3173177"},{"name":"Daniel Apple","title":"Partner","crd":"1285182"}],"ownership":[{"label":"Daniel Apple","detail":"Partner in the 50% to 75% ownership band and a control person, since January 2001."},{"label":"Michelle Apple","detail":"Partner/chief compliance officer in the 50% to 75% ownership band and a control person, since January 2001."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"565 Brunswick Road, Suite 8","city":"Grass Valley","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"530-272-1346","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":49},{"label":"Securities issued by registered investment companies or business development companies","percent":47},{"label":"Cash and cash equivalents","percent":4}],"privateFunds":0},"sources":{"adv1FilingDate":"4 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/126849/PDF/126849.pdf","brochureDate":"4 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1014535","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 Apple & Associates have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Apple & Associates offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Apple & Associates charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Apple & Associates use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Apple & Associates have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Apple & Associates invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Apple & Associates?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Apple & Associates get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Apple & Associates?","answer":"Apple & Associates’ main office is at 565 Brunswick Road, Suite 8, Grass Valley, CA 95945. Its phone number is 530-272-1346.","source":"Form ADV Part 1A, Item 1.F, filed 4 March 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."}