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flat fees generally range from $1,500 to $10,000.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004839","versionId":1004839,"submittedOn":"2026-01-29","documentName":"FORM ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Retirement Plan Consulting","summary":"Billed hourly, as a flat fee, or as a percentage of plan assets not to exceed 1.6%, case by case.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004839","versionId":1004839,"submittedOn":"2026-01-29","documentName":"FORM ADV PART 2A - FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T15:02:35.438221+00:00","documents":[{"name":"FORM ADV PART 2A - FIRM BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004839","versionId":1004839,"submittedOn":"2026-01-29"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":224487756}],"custodyNote":"Aspirean Wealth does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Bradley Alvarez","title":"Chief Compliance Officer","crd":"4987816"}],"ownership":[{"label":"Bradley Alvarez","detail":"Chief compliance officer in the 10% to 25% ownership band, since June 2021."},{"label":"Legacy Advisors Agency LLC","detail":"Holding company in the 75% or more ownership band and a control person, since June 2021."},{"label":"Christopher Winkler","detail":"Indirect owner: principal of Legacy Advisors Agency LLC and a control person, since June 2021.","parent":"Legacy Advisors Agency LLC"}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":2,"privateResidences":0},"listedOfficeAddresses":3,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"6 Knoll Lane, Suite B","city":"Mill Valley","headquarters":true}]},{"state":"Indiana","offices":1,"addresses":[{"street":"160 Rail Road","city":"Chesterton"}]},{"state":"Michigan","offices":1,"addresses":[{"street":"505 Pleasant Street","city":"Saint Joseph"}]}],"brochureServices":["education planning","estate planning","insurance","philanthropic planning","tax planning"],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"844-687-5342","stateRegisteredReps":6,"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","Pension consulting services","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":11},{"label":"U.S. government/agency bonds","percent":2},{"label":"U.S. state and local bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":84},{"label":"Cash and cash equivalents","percent":2}],"privateFunds":0},"sources":{"adv1FilingDate":"29 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/173138/PDF/173138.pdf","brochureDate":"29 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004839","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 Aspirean Wealth have?","answer":"Aspirean Wealth has 165 clients and manages $233 million for them, as of January 2026. They include 90 individual clients and 75 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 29 January 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Aspirean Wealth offer?","answer":"Aspirean Wealth provides financial planning, portfolio management for individuals and small businesses, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning.","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 Aspirean Wealth charge?","answer":"Aspirean Wealth charges up to 1.60% a year for its Comprehensive Portfolio Management. The fee is billed in advance or in arrears and is not negotiable.","source":"FORM ADV PART 2A - FIRM BROCHURE, filed 29 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Aspirean Wealth use?","answer":"Aspirean Wealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $224M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 29 January 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Aspirean Wealth have?","answer":"Aspirean Wealth has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 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 Aspirean Wealth invest in?","answer":"At the end of its last fiscal year, Aspirean Wealth’s separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 11% exchange-traded equities, 2% U.S. government and agency bonds, 2% cash and equivalents and 1% state and local bonds.","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 Aspirean Wealth?","answer":"Aspirean Wealth’s direct owners are Bradley Alvarez (10% to 25%) and Legacy Advisors Agency LLC (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 29 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Aspirean Wealth get paid?","answer":"Aspirean Wealth 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":"How do I contact Aspirean Wealth?","answer":"Aspirean Wealth’s main office is at 6 Knoll Lane, Suite B, Mill Valley, CA 94941. Its phone number is 844-687-5342. Its website is aspirean.com.","source":"Form ADV Part 1A, Item 1.F, filed 29 January 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/aspirean-wealth-173138/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-08-06","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/2110285/000117266126003134/0001172661-26-003134-index.html","totalValue":107596202,"positionCount":20,"top10Share":0.939512028500783,"top10":[{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":40154485,"shares":244442,"shareType":"SH","priorValue":33294013,"priorShares":233757},{"issuer":"ISHARES TR","titleOfClass":"CORE MSCI INTL","cusip":"46435G326","value":15976405,"shares":179490,"shareType":"SH","priorValue":15504242,"priorShares":185524},{"issuer":"VANGUARD SCOTTSDALE FDS","titleOfClass":"INTER TERM 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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."}