{"url":"https://nivawealth.com/firms/copper-harbor-investment-advisors-169978","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/169978","regulatoryAum":805000000,"crd":"169978","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"6874145","suffix":null,"lastName":"Garrido 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They include 120 high-net-worth individuals, 106 individual clients, and 14 pension and profit-sharing plans.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Copper Harbor Investment Advisors offer?","answer":"Copper Harbor Investment Advisors provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and retirement plan services.","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 Copper Harbor Investment Advisors charge?","answer":"Copper Harbor Investment Advisors charges 0.50%–0.95% a year for its Investment Advisory Services. The fee is billed in arrears and is negotiable.","source":"ADV PART 2, filed 11 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Copper Harbor Investment Advisors use?","answer":"Copper Harbor Investment Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $436M and National Financial Services LLC (Boston, MA), with $199M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 11 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Copper Harbor Investment Advisors have?","answer":"Copper Harbor Investment Advisors has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 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 Copper Harbor Investment Advisors invest in?","answer":"At the end of its last fiscal year, Copper Harbor Investment Advisors’ separately managed accounts held 51% exchange-traded equities, 41% registered funds (mutual funds, ETFs, BDCs), 6% cash and equivalents, 1% U.S. government and agency bonds and 1% state and local 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 Copper Harbor Investment Advisors?","answer":"Copper Harbor Investment Advisors’ direct owners are Steven Hooyman, Jesse Nelson, Ramon Garrido Mateos, Robert Moore and Miranda Hoffman, each holding 25% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 11 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Copper Harbor Investment Advisors get paid?","answer":"Copper Harbor Investment Advisors is paid through a percentage of assets under management and hourly charges. 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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."}