BetterWealth provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, insurance, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
BetterWealth reports 378 clients. They include 215 high-net-worth individuals, 158 individual clients, and 5 pension and profit-sharing plans. Of its assets, 98.1% ($648M across 1,344 accounts) are managed with discretion; $12.3M across 5 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 42% | 7% |
| High-net-worth individuals | 57% | 91% |
| Pension and profit-sharing plans | 1% | 2% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 158 | $44.7M | 6.8% | $283K |
| High-net-worth individuals | 215 | $603M | 91.3% | $2.8M |
| Pension and profit-sharing plans | 5 | $12.6M | 1.9% | $2.53M |
| Total | 378 | $660M | 100% | $1.75M |
- Clients
- 158
- Regulatory AUM
- $44.7M
- AUM share
- 6.8%
- Avg. per client
- $283K
- Clients
- 215
- Regulatory AUM
- $603M
- AUM share
- 91.3%
- Avg. per client
- $2.8M
- Clients
- 5
- Regulatory AUM
- $12.6M
- AUM share
- 1.9%
- Avg. per client
- $2.53M
Total
- Clients
- 378
- Regulatory AUM
- $660M
- AUM share
- 100%
- Avg. per client
- $1.75M
- 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
- 251–500
BetterWealth charges 0.65%–1.00% a year for its Wealth Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M–$3M | 0.85% |
| $3M–$4M | 0.75% |
| $4M and above | 0.65% |
Fee details and sources
Other fees
- Retirement Plan Services
- Billed on plan assets at an annual rate not exceeding 1%, with arrangements set case by case in each plan's signed agreement.
Winfield Stauffer owns 50% to 75% of BetterWealth. The leadership team of BetterWealth includes Chief Compliance Officer Suzanne Cox. It has 6 employees, 5 of them in advisory roles.
Leadership
- Suzanne CoxChief Compliance Officer
- Andrew HowardManaging Member
- Jesse LownsburyManaging Member
- Winfield StaufferManaging Member
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
- Suzanne H Cox
- Andrew Lane Howard
- Jesse Orin Lownsbury
- Jodee Danielle Lownsbury
- Winfield Scott Stauffer
Staff
- 6 employees
- 5 in advisory functions
- 5 state-registered reps
- Owns 50% to 75% of Betterwealth LLC
Winfield Stauffer
Control person · since May 2015
- Owns 25% to 50% of Betterwealth LLC
Andrew Howard
Control person · since January 2018
- Owns 10% to 25% of Betterwealth LLC
Jesse Lownsbury
Control person · since July 2025
BetterWealth’s regulatory assets grew 1.9× from $345M (July 2021) to $660M (September 2026); clients rose from 316 to 378 and employees from 5 to 6.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $660M | 378 | 6 | 4 |
| July 2025 | $558M | 342 | 6 | 3 |
| May 2024 | $502M | 348 | 6 | 3 |
| March 2023 | $386M | 332 | 5 | 1 |
| February 2022 | $415M | 322 | 5 | 1 |
| July 2021 | $345M | 316 | 5 | 1 |
Besides its headquarters, BetterWealth has 3 offices (3 private residences, listed without an address), with 1 listed address in California.
California · 1 listed address
- 1475 Saratoga Avenue, Suite 200, San JoseHQ
Contact and registration details
- Legal name
- Betterwealth LLC
- Headquarters
- 1475 Saratoga Avenue, Suite 200, San Jose, CA 95129
- Website
- betterwealth.us
- Phone
- 408-659-2390
- View profile
- SEC file
- 801-96317
- Founded
- 2015
- Structure
- California LLC
- Fiscal year end
- December
BetterWealth uses Charles Schwab ($626M) as custodian for its separately managed accounts. BetterWealth has custody of $648M in client assets for 373 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $626M100%
At year end, BetterWealth’s separately managed accounts were mostly in funds (80%) and stocks (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $565M across 86 positions; the largest are Dimensional ETF Trust (22.3%), Dimensional ETF Trust (11.8%) and Vanguard Instl Index FD (9.1%).
What the accounts hold
- Stocks10%
- Funds80%
- Bonds1%
- Cash9%
Reported 13F holdings
- $565M
- Reported 13F value
- 86
- Positions
- 79.7%
- In the 10 largest
- +10.9%
- Value vs. prior quarter
- Dimensional ETF Trust · US Cor Equ 2 ETF22.3%
- Dimensional ETF Trust · World EX US Core11.8%
- Vanguard Instl Index FD · 0 3 MO TR BI ETF9.1%
- Apple Inc.8.4%
- Vanguard BD Index Fds · Intermed Term7.1%
- Rbb Fund Trust · Longview Advantg6.7%
- Vanguard BD Index Fds · Short Trm Bond4.2%
- American Centy ETF TR · US Sml CP Valu3.6%
- Capital Group Intl Focus EQT · Shs Creat Unit3.6%
- American Centy ETF TR · Real Estate ETF2.9%
Together, the ten largest are 79.7% of reported value.
How many clients does BetterWealth have?
BetterWealth has 378 clients and manages $660 million for them, as of September 2026. They include 215 high-net-worth individuals, 158 individual clients, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 September 2026
What services does BetterWealth offer?
BetterWealth provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, insurance, 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
How much does BetterWealth charge?
BetterWealth charges 0.65%–1.00% a year for its Wealth Management. The whole portfolio is charged at the rate of its band. The fee is billed in advance and is negotiable.
Source: BETTERWEALTH - FORM ADV PART 2A, FORM ADV PART 2B & PRIVACY POLICY, filed 17 July 2026
Which custodians does BetterWealth use?
BetterWealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $626M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 September 2026
How many financial advisors does BetterWealth have?
BetterWealth has 5 investment adviser representatives registered with state securities authorities, out of 6 employees, and 5 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
What does BetterWealth invest in?
At the end of its last fiscal year, BetterWealth’s separately managed accounts held 80% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 9% cash and equivalents and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns BetterWealth?
BetterWealth’s direct owners are Winfield Stauffer (50% to 75%), Andrew Howard (25% to 50%) and Jesse Lownsbury (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 15 September 2026
How does BetterWealth get paid?
BetterWealth 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
How do I contact BetterWealth?
BetterWealth’s main office is at 1475 Saratoga Avenue, Suite 200, San Jose, CA 95129. Its phone number is 408-659-2390. Its website is betterwealth.us.