{"url":"https://nivawealth.com/firms/e-p-g-106821","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/106821","regulatoryAum":3203784558,"crd":"106821","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"2564727","suffix":null,"lastName":"LOVELESS","firstName":"ELIZABETH","middleName":"ANN"},{"crd":"6938318","suffix":null,"lastName":"Papageorge","firstName":"Nicholas","middleName":"William"},{"crd":"2279702","suffix":null,"lastName":"RANKIN","firstName":"JONATHAN","middleName":"ALAN"},{"crd":"1383731","suffix":null,"lastName":"THOMAS","firstName":"DAVID","middleName":"LAWRENCE"}],"total":4,"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":"2021-03-29","regulatoryAum":2937674287,"clients":75,"employees":13,"offices":1},{"filedOn":"2022-04-29","regulatoryAum":4478922339,"clients":75,"employees":13,"offices":1},{"filedOn":"2023-03-28","regulatoryAum":3771351529,"clients":78,"employees":13,"offices":1},{"filedOn":"2024-03-26","regulatoryAum":3629497268,"clients":78,"employees":13,"offices":1},{"filedOn":"2025-03-26","regulatoryAum":3477266118,"clients":78,"employees":11,"offices":1},{"filedOn":"2026-03-26","regulatoryAum":3203784558,"clients":72,"employees":11,"offices":1}],"secFileNumber":"801-51518","legalName":"E.p.g., Incorporated","displayName":"E.p.g.","slug":"e-p-g-106821","website":"https://epgadv.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/106821/0b512f20aca3e80e-r1.webp","tone":"light","width":274,"height":200,"sourceUrl":"https://epgadv.com/","sourceLabel":"EPG Incorporated, website"},"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_asset_manager","typeLabel":"Asset manager","feeDisclosure":"payment_only"},"founded":null,"organization":"Massachusetts corporation","fiscalYearEnd":"December","headquarters":{"street":"205 Newbury Street, Suite 403","city":"Framingham","state":"MA","stateName":"Massachusetts","country":"United States","postalCode":"01701"},"tradeNames":[],"registration":{"secApproved":"1 March 1996","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2082158.8095238095,"staff":{"employees":11,"advisory":4,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":3203784558,"discretionary":0,"discretionaryAccounts":0,"nonDiscretionary":3203784558,"nonDiscretionaryAccounts":72,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"High-net-worth individuals","clients":21,"regulatoryAum":43725335},{"label":"Banking or thrift institutions","clients":48,"regulatoryAum":3152759682},{"label":"Charitable organizations","clients":3,"regulatoryAum":7299541}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"FHLB/Citibank","shortName":"FHLB/Citibank","location":"Boston, MA","smaAssets":2151830941}],"custodyNote":"E.p.g. does not have custody of client assets.","leadership":[{"name":"David Thomas","title":"President, Director","crd":"1383731"},{"name":"Daniel Dube","title":"Chief Compliance Officer","crd":"5205789"},{"name":"Mary-Laura Greely","title":"Director","crd":"6924058"},{"name":"Jonathan Rankin","title":"Director","crd":"2279702"},{"name":"Stella Pang","title":"Shareholder","crd":"4362523"},{"name":"Allan Dwyer","title":"Shareholder","crd":"4362538"}],"ownership":[{"label":"Stella Pang","detail":"Shareholder in the 10% to 25% ownership band, since February 1996."},{"label":"Allan Dwyer","detail":"Shareholder in the 10% to 25% ownership band, since April 1996."},{"label":"David Thomas","detail":"President, director in the 50% to 75% ownership band and a control person, since February 1996."}],"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Massachusetts","offices":1,"addresses":[{"street":"205 Newbury Street, Suite 403","city":"Framingham","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"781-235-2666","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Publication of periodicals or newsletters"],"financialPlanningClients":null,"assetMix":[{"label":"Exchange-traded equity securities","percent":7},{"label":"U.S. government/agency bonds","percent":14},{"label":"U.S. state and local bonds","percent":7},{"label":"Sovereign bonds","percent":70},{"label":"Investment grade corporate bonds","percent":1},{"label":"Cash and cash equivalents","percent":1}],"privateFunds":0},"sources":{"adv1FilingDate":"26 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/106821/PDF/106821.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does E.p.g. have?","answer":"E.p.g. has 72 clients and manages $3.2 billion for them, as of March 2026. They include 48 banking or thrift institutions, 21 high-net-worth individuals and 3 charitable organizations.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does E.p.g. offer?","answer":"E.p.g. provides portfolio management for individuals and small businesses, portfolio management for institutions, and publishing newsletters.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does E.p.g. use?","answer":"E.p.g.’s separately managed account assets are held at FHLB/Citibank (Boston, MA), with $2.15B. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 26 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does E.p.g. have?","answer":"E.p.g. has 3 investment adviser representatives registered with state securities authorities, out of 11 employees, and 4 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 E.p.g. invest in?","answer":"At the end of its last fiscal year, E.p.g.’s separately managed accounts held 70% sovereign bonds, 14% U.S. government and agency bonds, 7% exchange-traded equities, 7% state and local bonds, 1% investment grade corporate 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 E.p.g.?","answer":"E.p.g.’s direct owners are Stella Pang (10% to 25%), Allan Dwyer (10% to 25%) and David Thomas (50% to 75%).","source":"Form ADV Part 1A, Schedules A and B, filed 26 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does E.p.g. get paid?","answer":"E.p.g. 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 E.p.g. registered with the SEC?","answer":"Yes, E.p.g. has been registered with the SEC as an investment adviser since 1 March 1996. Its CRD number is 106821 and its SEC file number is 801-51518.","source":"Form ADV Part 1A, Item 1, filed 26 March 2026; IAPD firm record","sourceRef":{"doc":"adv1","section":"identity"}},{"question":"How do I contact E.p.g.?","answer":"E.p.g.’s main office is at 205 Newbury Street, Suite 403, Framingham, MA 01701. Its phone number is 781-235-2666. Its website is epgadv.com.","source":"Form ADV Part 1A, Item 1.F, filed 26 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."}