Bay Cliadakis & Associates provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting. Financial planning was provided to 1–10 clients last fiscal year.
Bay Cliadakis & Associates reports 241 clients. They include 182 individual clients, 58 high-net-worth individuals and 1 pension or profit-sharing plan. Of its assets, 91.2% ($123M across 420 accounts) are managed with discretion; $11.9M across 1 account is not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 76% | 34% |
| High-net-worth individuals | 24% | 57% |
| Pension and profit-sharing plans | <1% | 9% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 182 | $45.5M | 33.7% | $250K |
| High-net-worth individuals | 58 | $77.6M | 57.5% | $1.34M |
| Pension and profit-sharing plans | 1 | $11.9M | 8.8% | $11.9M |
| Total | 241 | $135M | 100% | $560K |
- Clients
- 182
- Regulatory AUM
- $45.5M
- AUM share
- 33.7%
- Avg. per client
- $250K
- Clients
- 58
- Regulatory AUM
- $77.6M
- AUM share
- 57.5%
- Avg. per client
- $1.34M
- Clients
- 1
- Regulatory AUM
- $11.9M
- AUM share
- 8.8%
- Avg. per client
- $11.9M
Total
- Clients
- 241
- Regulatory AUM
- $135M
- AUM share
- 100%
- Avg. per client
- $560K
- 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
Bay Cliadakis & Associates charges 0.50%–1.00% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M–$3M | 0.85% |
| $3M–$4M | 0.75% |
| $4M–$5M | 0.65% |
| $5M and above | 0.50% |
Fee details and sources
Other fees
- Financial Planning and Consulting
- Financial planning and consulting is a flat fee of $3,000 to $10,000 per engagement, with a percentage retainer and a $1,000 cap when services cannot be rendered within six months.
- Retirement Plan Consulting
- Retirement plan consulting is billed as a percentage of plan assets, with fees not to exceed 1.00%, set case by case in the signed agreement.
Miste Cliadakis owns 50% to 75% of Bay Cliadakis & Associates. The leadership team of Bay Cliadakis & Associates includes Chief Compliance Officer Miste Cliadakis. It has 3 employees, 2 of them in advisory roles.
Leadership
Miste CliadakisManaging Member & Chief Compliance Officer
Steven CliadakisManaging Member
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 3 employees
- 2 in advisory functions
- 2 state-registered reps
- 2 broker-dealer reps
- 3 insurance agents
- Owns 50% to 75% of Bay Cliadakis & Associates, LLC
Miste Cliadakis
Control person · since April 2019
- Owns 50% to 75% of Bay Cliadakis & Associates, LLC
Steven Cliadakis
Control person · since April 2019
Bay Cliadakis & Associates’ regulatory assets grew from $124M (February 2025) to $135M (March 2026); clients were 241 in both filings and employees were 3 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $135M | 241 | 3 | 1 |
| February 2025 | $124M | 237 | 3 | 1 |
Besides its headquarters, Bay Cliadakis & Associates has 0 offices, with 1 listed address in California.
California · 1 listed address
- 1074 E. Ave. Suite T1, ChicoHQ
Other business names
Bay Cliadakis & Associates has reported 1 other business name to the SEC.
- Altum Wealth Advisors
Contact and registration details
- Legal name
- Bay Cliadakis & Associates, LLC
- Headquarters
- 1074 E. Ave. Suite T1, Chico, CA 95926
- Website
- altumwealth.com
- Phone
- 530-924-0110
- @altum-wealth-advisors
- SEC file
- 801-132234
- Structure
- California LLC
- Fiscal year end
- December
Bay Cliadakis & Associates uses Charles Schwab ($123M) as custodian for its separately managed accounts. Bay Cliadakis & Associates does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $123M100%
At year end, Bay Cliadakis & Associates’ separately managed accounts were mostly in stocks (64%) and funds (20%).
What the accounts hold
- Stocks64%
- Funds20%
- Bonds2%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash14%
How many clients does Bay Cliadakis & Associates have?
Bay Cliadakis & Associates has 241 clients and manages $135 million for them, as of March 2026. They include 182 individual clients, 58 high-net-worth individuals and 1 pension or profit-sharing plan.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 March 2026
What services does Bay Cliadakis & Associates offer?
Bay Cliadakis & Associates provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Bay Cliadakis & Associates charge?
Bay Cliadakis & Associates charges 0.50%–1.00% a year for its Asset Management. Each asset band is charged at its own rate. The fee is billed in arrears.
Source: FORM ADV PART 2A - FIRM BROCHURE, filed 23 March 2026
Which custodians does Bay Cliadakis & Associates use?
Bay Cliadakis & Associates’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $123M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 March 2026
How many financial advisors does Bay Cliadakis & Associates have?
Bay Cliadakis & Associates has 2 investment adviser representatives registered with state securities authorities, out of 3 employees, and 2 perform investment advisory functions. 2 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 Bay Cliadakis & Associates invest in?
At the end of its last fiscal year, Bay Cliadakis & Associates’ separately managed accounts held 64% exchange-traded equities, 20% registered funds (mutual funds, ETFs, BDCs), 14% cash and equivalents, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Bay Cliadakis & Associates?
Bay Cliadakis & Associates’ direct owners are Miste Cliadakis (50% to 75%) and Steven Cliadakis (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 23 March 2026
How does Bay Cliadakis & Associates get paid?
Bay Cliadakis & Associates is paid through a percentage of assets under management 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
Is Bay Cliadakis & Associates registered with the SEC?
Yes, Bay Cliadakis & Associates has been registered with the SEC as an investment adviser since 21 March 2025. Its CRD number is 301214 and its SEC file number is 801-132234.
Source: Form ADV Part 1A, Item 1, filed 23 March 2026; IAPD firm record
How do I contact Bay Cliadakis & Associates?
Bay Cliadakis & Associates’ main office is at 1074 E. Ave. Suite T1, Chico, CA 95926. Its phone number is 530-924-0110. Its website is altumwealth.com.