{"url":"https://nivawealth.com/firms/carlsbad-wealth-advisory-group-146587","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/146587","regulatoryAum":237557236,"crd":"146587","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7811250","suffix":null,"lastName":"Brayer","firstName":"Matthew","middleName":"T"},{"crd":"4685106","suffix":null,"lastName":"SONTAG","firstName":"ANDREW","middleName":"PHILLIP"},{"crd":"7205987","suffix":null,"lastName":"Sontag","firstName":"Heather","middleName":"Morgan 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They include 168 individual clients and 80 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 4 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Carlsbad Wealth Advisory Group offer?","answer":"Carlsbad Wealth Advisory Group provides financial planning, portfolio management for individuals and small businesses, education planning, estate 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Carlsbad Wealth Advisory Group charge?","answer":"Carlsbad Wealth Advisory Group charges 0.40%–1.00% a year for its Investment Management Fee. Each asset band is charged at its own rate. The fee is billed in arrears and has a $2,500 annual minimum.","source":"ADV FORM 2A, filed 4 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Carlsbad Wealth Advisory Group use?","answer":"Carlsbad Wealth Advisory Group’s separately managed account assets are held at Charles Schwab & Co., Inc. (El Paso, TX), with $178M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 4 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Carlsbad Wealth Advisory Group have?","answer":"Carlsbad Wealth Advisory Group has 3 investment adviser representatives registered with state securities authorities, out of 3 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 Carlsbad Wealth Advisory Group invest in?","answer":"At the end of its last fiscal year, Carlsbad Wealth Advisory Group’s separately managed accounts held 93% registered funds (mutual funds, ETFs, BDCs), 4% exchange-traded equities, 2% U.S. government and agency bonds 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 Carlsbad Wealth Advisory Group?","answer":"Carlsbad Wealth Advisory Group’s direct owners are Andrew Sontag (50% to 75%) and Heather Sontag (25% to 50%).","source":"Form ADV Part 1A, Schedules A and B, filed 4 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Carlsbad Wealth Advisory Group get paid?","answer":"Carlsbad Wealth 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 Carlsbad Wealth Advisory Group?","answer":"Carlsbad Wealth Advisory Group’s main office is at 2011 Palomar Airport RD Ste 101, Carlsbad, CA 92011. Its phone number is 760-607-0812. Its website is carlsbadwealth.com.","source":"Form ADV Part 1A, Item 1.F, filed 4 August 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."}