{"url":"https://nivawealth.com/firms/bay-cliadakis-and-associates-301214","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/301214","regulatoryAum":135010107,"crd":"301214","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4053534","suffix":null,"lastName":"CLIADAKIS","firstName":"MISTE","middleName":"LEE"},{"crd":"6101428","suffix":null,"lastName":"CLIADAKIS","firstName":"STEVEN","middleName":"HARRY"}],"total":2,"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":"2025-02-21","regulatoryAum":123937028,"clients":237,"employees":3,"offices":1},{"filedOn":"2026-03-23","regulatoryAum":135010107,"clients":241,"employees":3,"offices":1}],"secFileNumber":"801-132234","legalName":"Bay Cliadakis & Associates, LLC","displayName":"Bay Cliadakis & Associates","slug":"bay-cliadakis-and-associates-301214","website":"https://altumwealth.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"linkedinUrl":"https://www.linkedin.com/company/altum-wealth-advisors","xUrl":"https://www.x.com/@altumwealth","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"1074 E. Ave. Suite T1","city":"Chico","state":"CA","stateName":"California","country":"United States","postalCode":"95926"},"tradeNames":["Altum Wealth Advisors"],"registration":{"secApproved":"21 March 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":512955.50833333336,"staff":{"employees":3,"advisory":2,"brokerDealerReps":2,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":135010107,"discretionary":123109322,"discretionaryAccounts":420,"nonDiscretionary":11900785,"nonDiscretionaryAccounts":1,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":182,"regulatoryAum":45510389},{"label":"High-net-worth individuals","clients":58,"regulatoryAum":77598933},{"label":"Pension and profit-sharing plans","clients":1,"regulatoryAum":11900785}],"feePrograms":[{"role":"main","program":"Asset Management","feeBasis":"marginal","fee_tiers":[{"to":2000000,"pct":1,"from":0},{"to":3000000,"pct":0.85,"from":2000000},{"to":4000000,"pct":0.75,"from":3000000},{"to":5000000,"pct":0.65,"from":4000000},{"to":null,"pct":0.5,"from":5000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023528","versionId":1023528,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A - FIRM BROCHURE","fee_rate_low":0.5,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Financial Planning and Consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023528","versionId":1023528,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A - FIRM BROCHURE"},{"role":"other","program":"Retirement Plan Consulting","summary":"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.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023528","versionId":1023528,"submittedOn":"2026-03-23","documentName":"FORM ADV PART 2A - FIRM BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T16:19:47.680513+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=1023528","versionId":1023528,"submittedOn":"2026-03-23"},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023530","versionId":1023530,"submittedOn":null},{"name":null,"status":"not_downloaded","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023529","versionId":1023529,"submittedOn":null}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"San Francisco, CA","smaAssets":123109322}],"custodyNote":"Bay Cliadakis & Associates does not have custody of client assets.","leadership":[{"name":"Miste Cliadakis","title":"Managing Member & Chief Compliance Officer","crd":"4053534"},{"name":"Steven Cliadakis","title":"Managing Member","crd":"6101428"}],"ownership":[{"label":"Miste Cliadakis","detail":"Managing member & chief compliance officer in the 50% to 75% ownership band and a control person, since April 2019."},{"label":"Steven Cliadakis","detail":"Managing member in the 50% to 75% ownership band and a control person, since April 2019."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"California","offices":1,"addresses":[{"street":"1074 E. Ave. Suite T1","city":"Chico","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"530-924-0110","stateRegisteredReps":2,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services"],"financialPlanningClients":"1-10","assetMix":[{"label":"Exchange-traded equity securities","percent":64},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":1},{"label":"Securities issued by registered investment companies or business development companies","percent":20},{"label":"Cash and cash equivalents","percent":14}],"privateFunds":0},"sources":{"adv1FilingDate":"23 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/301214/PDF/301214.pdf","brochureDate":"23 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1023528","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 Bay Cliadakis & Associates have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Bay Cliadakis & Associates offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Bay Cliadakis & Associates charge?","answer":"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","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Bay Cliadakis & Associates use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Bay Cliadakis & Associates have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Bay Cliadakis & Associates invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Bay Cliadakis & Associates?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Bay Cliadakis & Associates get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Is Bay Cliadakis & Associates registered with the SEC?","answer":"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","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Bay Cliadakis & Associates?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 23 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."}