{"url":"https://nivawealth.com/firms/conifer-investments-106159","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/106159","regulatoryAum":524034271,"crd":"106159","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4363324","suffix":null,"lastName":"PALDINO","firstName":"CAROLYN","middleName":"ANNE"}],"total":1,"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":"2021-04-01","regulatoryAum":365711529,"clients":52,"employees":3,"offices":1},{"filedOn":"2022-03-30","regulatoryAum":416971139,"clients":55,"employees":3,"offices":1},{"filedOn":"2023-03-31","regulatoryAum":358001490,"clients":32,"employees":3,"offices":1},{"filedOn":"2024-03-28","regulatoryAum":412870388,"clients":46,"employees":3,"offices":1},{"filedOn":"2025-03-14","regulatoryAum":465762749,"clients":43,"employees":3,"offices":1},{"filedOn":"2026-03-31","regulatoryAum":524034271,"clients":41,"employees":3,"offices":1}],"secFileNumber":"801-47009","legalName":"Conifer Investments LTD","displayName":"Conifer Investments","slug":"conifer-investments-106159","website":null,"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Connecticut corporation","fiscalYearEnd":"December","headquarters":{"street":"65 Lasalle Road, Suite 402","city":"West Hartford","state":"CT","stateName":"Connecticut","country":"United States","postalCode":"06107"},"tradeNames":[],"registration":{"secApproved":"21 July 1994","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":12317054.56097561,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":524034271,"discretionary":141300097,"discretionaryAccounts":56,"nonDiscretionary":382734174,"nonDiscretionaryAccounts":27,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":17,"regulatoryAum":354112186},{"label":"High-net-worth individuals","clients":24,"regulatoryAum":150887051},{"label":"Charitable organizations","clients":null,"fewerThan5":true,"regulatoryAum":19035034}],"feePrograms":[{"role":"main","program":"Investment Advisory Services","feeBasis":"range","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037566","versionId":1037566,"ratePeriod":"not_stated","fee_billing":null,"submittedOn":"2026-03-31","documentName":"CONIFER INVESTMENTS","fee_rate_low":0.6,"fee_rate_high":1,"fee_negotiable":null,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":3000},{"role":"other","program":"Investment Consultation","summary":"Investment consultation services are on a fixed fee basis, negotiated in advance with the client.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037566","versionId":1037566,"submittedOn":"2026-03-31","documentName":"CONIFER INVESTMENTS"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T08:10:53.925036+00:00","documents":[{"name":"CONIFER INVESTMENTS","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037566","versionId":1037566,"submittedOn":"2026-03-31"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Lone Tree, CO","smaAssets":191702855}],"custodyNote":"Conifer Investments has custody of $397M in client assets for 24 clients.","leadership":[{"name":"Carolyn Paldino","title":"President/Chief Compliance Officer","crd":"4363324"}],"ownership":[{"label":"Carolyn Paldino","detail":"President/chief compliance officer in the 75% or more ownership band and a control person, since November 2008."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Connecticut","offices":1,"addresses":[{"street":"65 Lasalle Road, Suite 402","city":"West Hartford","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"860-761-1041","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":65},{"label":"U.S. government/agency bonds","percent":10},{"label":"U.S. state and local bonds","percent":10},{"label":"Investment grade corporate bonds","percent":10},{"label":"Cash and cash equivalents","percent":5}],"privateFunds":0},"sources":{"adv1FilingDate":"31 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/106159/PDF/106159.pdf","brochureDate":"31 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1037566","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 Conifer Investments have?","answer":"Conifer Investments has 41 clients and manages $524 million for them, as of March 2026. They include 24 high-net-worth individuals and 17 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Conifer Investments offer?","answer":"Conifer Investments provides portfolio management for individuals and small businesses and selecting other managers.","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 Conifer Investments charge?","answer":"Conifer Investments charges 0.60%–1.00% for its Investment Advisory Services. The brochure does not state whether the rate is annual. The fee has a $3,000 annual minimum.","source":"CONIFER INVESTMENTS, filed 31 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Conifer Investments use?","answer":"Conifer Investments’ separately managed account assets are held at Charles Schwab & Co., Inc. (Lone Tree, CO), with $192M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 31 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Conifer Investments have?","answer":"Conifer Investments has 1 investment adviser representative 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 Conifer Investments invest in?","answer":"At the end of its last fiscal year, Conifer Investments’ separately managed accounts held 65% exchange-traded equities, 10% U.S. government and agency bonds, 10% state and local bonds, 10% investment grade corporate bonds and 5% 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 Conifer Investments?","answer":"Conifer Investments’ direct owner is Carolyn Paldino (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 31 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Conifer Investments get paid?","answer":"Conifer Investments 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 Conifer Investments registered with the SEC?","answer":"Yes, Conifer Investments has been registered with the SEC as an investment adviser since 21 July 1994. Its CRD number is 106159 and its SEC file number is 801-47009.","source":"Form ADV Part 1A, Item 1, filed 31 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact Conifer Investments?","answer":"Conifer Investments’ main office is at 65 Lasalle Road, Suite 402, West Hartford, CT 06107. Its phone number is 860-761-1041.","source":"Form ADV Part 1A, Item 1.F, filed 31 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."}