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The fee is billed in arrears, is negotiable and requires an account of at least $1,000,000.","source":"ADV FORM 2A, filed 6 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Atwater Malick use?","answer":"Atwater Malick’s separately managed account assets are held at National Financial Services LLC (Boston, MA), with $316M, Charles Schwab & Co., Inc. (Westlake, TX), with $244M and Empower Trust Company, LLC (Greenwood Village, CO), with $127M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 8 April 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Atwater Malick have?","answer":"Atwater Malick has 2 investment adviser representatives registered with state securities authorities, out of 6 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 Atwater Malick invest in?","answer":"At the end of its last fiscal year, Atwater Malick’s separately managed accounts held 55% exchange-traded equities, 21% registered funds (mutual funds, ETFs, BDCs), 15% U.S. government and agency bonds, 7% cash and equivalents, 1% pooled vehicles (private funds and similar) and 1% other. The 1% other category is described as: Non-Traditional Investments.","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":"Does Atwater Malick have a minimum investment?","answer":"Yes, Atwater Malick’s minimum account size for its Investment Supervisory Services is $1M.","source":"ADV FORM 2A, filed 6 January 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Who owns Atwater Malick?","answer":"Atwater Malick’s direct owners are Matthew Malick (50% to 75%) and Benjamin Atwater (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 8 April 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Atwater Malick get paid?","answer":"Atwater Malick is paid through a percentage of assets under management, hourly charges and fixed fees. 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