{"url":"https://nivawealth.com/firms/avalon-advisory-group-297090","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/297090","regulatoryAum":290263807,"crd":"297090","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"8337153","suffix":null,"lastName":"Conti","firstName":"Christopher","middleName":"Stephen"},{"crd":"5203006","suffix":null,"lastName":"CULLY","firstName":"CAITLIN","middleName":"NMN"},{"crd":"862124","suffix":null,"lastName":"CULLY","firstName":"JOHN","middleName":"JOSEPH"},{"crd":"5833527","suffix":null,"lastName":"LAUB","firstName":"WALTER","middleName":"ANDREW"}],"total":4,"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":"2021-03-31","regulatoryAum":220445997,"clients":129,"employees":5,"offices":1},{"filedOn":"2022-03-31","regulatoryAum":232768061,"clients":136,"employees":5,"offices":1},{"filedOn":"2023-03-31","regulatoryAum":188513777,"clients":135,"employees":5,"offices":1},{"filedOn":"2024-03-27","regulatoryAum":227067342,"clients":155,"employees":5,"offices":1},{"filedOn":"2025-03-28","regulatoryAum":256740227,"clients":167,"employees":5,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":290263807,"clients":137,"employees":4,"offices":1}],"secFileNumber":"801-113420","legalName":"Avalon Advisory Group LLC","displayName":"Avalon Advisory Group","slug":"avalon-advisory-group-297090","website":"https://aspirewealtharchitects.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":"2018","organization":"Pennsylvania limited liability company","fiscalYearEnd":"December","headquarters":{"street":"150 N Meadows Drive, Suite 220","city":"Wexford","state":"PA","stateName":"Pennsylvania","country":"United States","postalCode":"15090"},"tradeNames":["Aspire Wealth Architects"],"registration":{"secApproved":"11 June 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Planning","crd":"5833527"}],"ownership":[{"label":"Caitlin Cully","detail":"Principal, cco in the 50% to 75% ownership band and a control person, since May 2018."},{"label":"John Cully","detail":"Principal in the 25% to 50% ownership band and a control person, since May 2018."},{"label":"Walter Laub","detail":"Principal / director of financial planning in the 10% to 25% ownership band and a control person, since August 2021."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Pennsylvania","offices":1,"addresses":[{"street":"150 N Meadows Drive, Suite 220","city":"Wexford","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"412-879-0584","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":97},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/297090/PDF/297090.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032112","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 Avalon Advisory Group have?","answer":"Avalon Advisory Group has 137 clients and manages $290 million for them, as of March 2026. They include 83 individual clients and 54 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Avalon Advisory Group offer?","answer":"Avalon Advisory Group 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 Avalon Advisory Group charge?","answer":"Avalon Advisory Group charges up to 1.25% a year for its Investment Management Fee. The fee is billed in advance and is negotiable.","source":"ASPIRE WEALTH ARCHITECTS PART 2A BROCHURE 3.2025, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Avalon Advisory Group use?","answer":"Avalon Advisory Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $281M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Avalon Advisory Group have?","answer":"Avalon Advisory Group has 3 investment adviser representatives registered with state securities authorities, out of 4 employees, and 3 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 Avalon Advisory Group invest in?","answer":"At the end of its last fiscal year, Avalon Advisory Group’s separately managed accounts held 97% registered funds (mutual funds, ETFs, BDCs), 2% exchange-traded equities and 1% 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 Avalon Advisory Group?","answer":"Avalon Advisory Group’s direct owners are Caitlin Cully (50% to 75%), John Cully (25% to 50%) and Walter Laub (10% to 25%).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Avalon Advisory Group get paid?","answer":"Avalon Advisory Group 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 Avalon Advisory Group?","answer":"Avalon Advisory Group’s main office is at 150 N Meadows Drive, Suite 220, Wexford, PA 15090. Its phone number is 412-879-0584. Its website is aspirewealtharchitects.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":{"url":"https://nivawealth.com/firms/avalon-advisory-group-297090/holdings","form":"13F-HR","periodOfReport":"2026-06-30","filedOn":"2026-07-29","filingIndexUrl":"https://www.sec.gov/Archives/edgar/data/1802119/000180211926000003/0001802119-26-000003-index.html","totalValue":270773221,"positionCount":14,"top10Share":0.9958985530552151,"top10":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":142597311,"shares":385356,"shareType":"SH","priorValue":124529289,"priorShares":388171},{"issuer":"ISHARES TR","titleOfClass":"7-10 YR TRSY BD","cusip":"464287440","value":88055045,"shares":931110,"shareType":"SH","priorValue":88283472,"priorShares":925015},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"ALLWRLD EX US","cusip":"922042775","value":16978046,"shares":202723,"shareType":"SH","priorValue":15050036,"priorShares":200400},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":8302863,"shares":50544,"shareType":"SH","priorValue":7234589,"priorShares":50794},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":4914617,"shares":177423,"shareType":"SH","priorValue":4396739,"priorShares":177646},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US BRD MKT ETF","cusip":"808524102","value":4477911,"shares":154624,"shareType":"SH","priorValue":3893587,"priorShares":155123},{"issuer":"VANGUARD STAR FDS","titleOfClass":"VG TL INTL STK F","cusip":"921909768","value":2568505,"shares":30045,"shareType":"SH","priorValue":2322765,"priorShares":30123},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":947587,"shares":1380,"shareType":"SH","priorValue":828935,"priorShares":1387},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":420151,"shares":1452,"shareType":"SH","priorValue":368503,"priorShares":1452},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":400623,"shares":1074,"shareType":"SH","priorValue":397563,"priorShares":1074}],"positionsListed":14,"positions":[{"issuer":"VANGUARD INDEX FDS","titleOfClass":"TOTAL STK MKT","cusip":"922908769","value":142597311,"shares":385356,"shareType":"SH","priorValue":124529289,"priorShares":388171},{"issuer":"ISHARES TR","titleOfClass":"7-10 YR TRSY BD","cusip":"464287440","value":88055045,"shares":931110,"shareType":"SH","priorValue":88283472,"priorShares":925015},{"issuer":"VANGUARD INTL EQUITY INDEX F","titleOfClass":"ALLWRLD EX US","cusip":"922042775","value":16978046,"shares":202723,"shareType":"SH","priorValue":15050036,"priorShares":200400},{"issuer":"ISHARES TR","titleOfClass":"CORE S&P TTL STK","cusip":"464287150","value":8302863,"shares":50544,"shareType":"SH","priorValue":7234589,"priorShares":50794},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"INTL EQTY ETF","cusip":"808524805","value":4914617,"shares":177423,"shareType":"SH","priorValue":4396739,"priorShares":177646},{"issuer":"SCHWAB STRATEGIC TR","titleOfClass":"US BRD MKT ETF","cusip":"808524102","value":4477911,"shares":154624,"shareType":"SH","priorValue":3893587,"priorShares":155123},{"issuer":"VANGUARD STAR FDS","titleOfClass":"VG TL INTL STK F","cusip":"921909768","value":2568505,"shares":30045,"shareType":"SH","priorValue":2322765,"priorShares":30123},{"issuer":"VANGUARD INDEX FDS","titleOfClass":"S&P 500 ETF SHS","cusip":"922908363","value":947587,"shares":1380,"shareType":"SH","priorValue":828935,"priorShares":1387},{"issuer":"APPLE INC","titleOfClass":"COM","cusip":"037833100","value":420151,"shares":1452,"shareType":"SH","priorValue":368503,"priorShares":1452},{"issuer":"MICROSOFT CORP","titleOfClass":"COM","cusip":"594918104","value":400623,"shares":1074,"shareType":"SH","priorValue":397563,"priorShares":1074},{"issuer":"NVIDIA CORPORATION","titleOfClass":"COM","cusip":"67066G104","value":326347,"shares":1631,"shareType":"SH","priorValue":284446,"priorShares":1631},{"issuer":"STATE STR SPDR S&P 500 ETF T","titleOfClass":"TR UNIT","cusip":"78462F103","value":300948,"shares":403,"shareType":"SH","priorValue":262087,"priorShares":403},{"issuer":"ISHARES TR","titleOfClass":"3 7 YR TREAS BD","cusip":"464288661","value":243356,"shares":2072,"shareType":"SH"},{"issuer":"ALPHABET INC","titleOfClass":"CAP STK CL C","cusip":"02079K107","value":239911,"shares":679,"shareType":"SH"}]},"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."}