{"url":"https://nivawealth.com/firms/custom-wealth-management-340956","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/340956","regulatoryAum":200976793,"crd":"340956","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"4800449","suffix":null,"lastName":"CARTY","firstName":"SCOTT","middleName":"RICHARD"},{"crd":"5908301","suffix":null,"lastName":"WHIPPLE","firstName":"KYLE","middleName":"DEAN"},{"crd":"5955972","suffix":"II","lastName":"WINDLE","firstName":"MICHAEL","middleName":"H"}],"total":3,"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"},"secFileNumber":"801-136173","legalName":"Custom Wealth Management, LLC","displayName":"Custom Wealth Management","slug":"custom-wealth-management-340956","website":"https://custom-wm.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Michigan limited liability company","fiscalYearEnd":"December","headquarters":{"street":"41081 Ann Arbor RD E","city":"Plymouth","state":"MI","stateName":"Michigan","country":"United States","postalCode":"48170"},"tradeNames":[],"registration":{"secApproved":"1 May 2026","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":395542.85912698414,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":3,"promoters":0},"aum":{"regulatory":200976793,"discretionary":200976793,"discretionaryAccounts":1620,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":477,"regulatoryAum":156838432},{"label":"High-net-worth individuals","clients":27,"regulatoryAum":42515169},{"label":"Corporations and other businesses","clients":null,"fewerThan5":true,"regulatoryAum":1623192}],"feePrograms":[{"role":"main","program":"Investment Management Fees","feeBasis":"ceiling","fee_tiers":null,"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055151","versionId":1055151,"ratePeriod":"annual","fee_billing":"arrears","submittedOn":"2026-08-17","documentName":"PART 2A BROCHURE","fee_rate_low":null,"fee_rate_high":1.5,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":null,"fee_minimum_annual":null},{"role":"other","program":"Limited-Scope Consulting","summary":"Limited-scope planning and consulting is negotiated per project and billed hourly at $80 to $120 per hour, due on invoice.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055151","versionId":1055151,"submittedOn":"2026-08-17","documentName":"PART 2A BROCHURE"},{"role":"other","program":"Standalone Financial Planning","summary":"Standalone planning is a fixed fee starting at $1,500 and may be more, or hourly at $80 to $120 per hour, paid when the agreement is signed.","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055151","versionId":1055151,"submittedOn":"2026-08-17","documentName":"PART 2A BROCHURE"}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T18:15:40.359692+00:00","documents":[{"name":"PART 2A BROCHURE","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055151","versionId":1055151,"submittedOn":"2026-08-17"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"El Paso, TX","smaAssets":200976793}],"custodyNote":"Custom Wealth Management does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Michael Windle","title":"CCO, Owner","crd":"5955972"}],"ownership":[{"label":"Michael Windle","detail":"Cco, owner in the 75% or more ownership band and a control person, since March 2026."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Michigan","offices":1,"addresses":[{"street":"41081 Ann Arbor RD E","city":"Plymouth","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"734-844-3400","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","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"],"financialPlanningClients":"0","assetMix":[{"label":"Exchange-traded equity securities","percent":62},{"label":"Investment grade corporate bonds","percent":25},{"label":"Securities issued by registered investment companies or business development companies","percent":3},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"17 August 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/340956/PDF/340956.pdf","brochureDate":"17 August 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1055151","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 Custom Wealth Management have?","answer":"Custom Wealth Management has 504 clients and manages $201 million for them, as of August 2026. They include 477 individual clients and 27 high-net-worth individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 17 August 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Custom Wealth Management offer?","answer":"Custom Wealth Management provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.","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 Custom Wealth Management charge?","answer":"Custom Wealth Management charges up to 1.50% a year for its Investment Management Fees. The fee is billed in arrears and is negotiable.","source":"PART 2A BROCHURE, filed 17 August 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Custom Wealth Management use?","answer":"Custom Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (El Paso, TX), with $201M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 17 August 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Custom Wealth Management have?","answer":"Custom Wealth Management has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 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 Custom Wealth Management invest in?","answer":"At the end of its last fiscal year, Custom Wealth Management’s separately managed accounts held 62% exchange-traded equities, 25% investment grade corporate bonds, 10% cash and equivalents and 3% registered funds (mutual funds, ETFs, BDCs).","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 Custom Wealth Management?","answer":"Custom Wealth Management’s direct owner is Michael Windle (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 17 August 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Custom Wealth Management get paid?","answer":"Custom Wealth Management is paid through a percentage of assets under management, hourly charges 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":"How do I contact Custom Wealth Management?","answer":"Custom Wealth Management’s main office is at 41081 Ann Arbor RD E, Plymouth, MI 48170. Its phone number is 734-844-3400. Its website is custom-wm.com.","source":"Form ADV Part 1A, Item 1.F, filed 17 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."}