Earned Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, and educational seminars. Financial planning was provided to 11–25 clients last fiscal year.
Earned Wealth Advisors reports 1,875 clients. They include 877 individual clients, 584 high-net-worth individuals, and 337 pension and profit-sharing plans. Of its assets, 100.0% ($3.11B across 5,506 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 20 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 47% | 8% |
| High-net-worth individuals | 31% | 70% |
| Pension and profit-sharing plans | 18% | 17% |
| Charitable organizations | <1% | <1% |
| Insurance companies | <1% | <1% |
| Other client typesCorporations and other businesses | 4% | 5% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 877 | $234M | 7.5% | $266K |
| High-net-worth individuals | 584 | $2.17B | 69.7% | $3.71M |
| Pension and profit-sharing plans | 337 | $530M | 17.1% | $1.57M |
| Charitable organizations | Fewer than 5 | $8.61M | 0.3% | $2.15M |
| Insurance companies | Fewer than 5 | $11.2M | 0.4% | $5.59M |
| Corporations and other businesses | 71 | $156M | 5.0% | $2.2M |
| Total | 1,875 | $3.11B | 100% | — |
- Clients
- 877
- Regulatory AUM
- $234M
- AUM share
- 7.5%
- Avg. per client
- $266K
- Clients
- 584
- Regulatory AUM
- $2.17B
- AUM share
- 69.7%
- Avg. per client
- $3.71M
- Clients
- 337
- Regulatory AUM
- $530M
- AUM share
- 17.1%
- Avg. per client
- $1.57M
- Clients
- Fewer than 5
- Regulatory AUM
- $8.61M
- AUM share
- 0.3%
- Avg. per client
- $2.15M
- Clients
- Fewer than 5
- Regulatory AUM
- $11.2M
- AUM share
- 0.4%
- Avg. per client
- $5.59M
- Clients
- 71
- Regulatory AUM
- $156M
- AUM share
- 5.0%
- Avg. per client
- $2.2M
Total
- Clients
- 1,875
- Regulatory AUM
- $3.11B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 20
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 11–25
Earned Wealth Advisors charges 0.15%–1.50% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $2,400 annual minimum. The brochure also prices 2 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$250K | 1.50% |
| $250K–$500K | 1.10% |
| $500K–$1M | 0.95% |
| $1M–$2M | 0.85% |
| $2M–$5M | 0.75% |
| $5M–$10M | 0.70% |
| $10M–$25M | 0.45% |
| $25M–$50M | 0.30% |
| $50M and above | 0.15% |
Fee details and sources
Other fees
- Financial Planning
- Fixed fees for financial planning and consulting under a separate written engagement are negotiable but generally range from $2,500 to $15,000.
- Retirement Plan Services
- Asset-based fees for investment fiduciary and retirement plan consulting generally will not exceed 1.00%, with a minimum annual fee of $3,000.
Earned Wealth Operating Company, Inc. owns 75% or more of Earned Wealth Advisors and is in turn owned by Earned Wealth Intermediate Holdings, Inc. (75% or more). John Clendening is CEO; the leadership team includes Chief Operating Officer Frederick Duden and Chief Compliance Officer William Martin. It has 35 employees, 33 of them in advisory roles.
Leadership
- John ClendeningChief Executive Officer
- Frederick DudenChief Operating Officer
- William MartinChief Compliance Officer | Chief Wealth Officer
- Alexandra GarabedianChief Experience
- Joy LaiChief Growth Officer
Investment adviser representatives
46 representatives listed in the SEC register as of 9 October 2026.
- Pooja Agarwal
- Tyler Braxton Bayless-Edwards
- Patrick Lee Beaman
- Jeanette Lynn Beatty
- Adam Nicholas Braunscheidel
- Navjeet Singh Chahal
- Ana Karen Chena Davila
- Devin Gregory Clare
- Chance Dakota Coker
- Gilbert Elliot Cotto
- William Truett Davis
- Jonathan Faynik
- Nicholas Louis Gizzarelli
- Barrett Thomas Gray
- David Kristian Harlow
- Carson Knudsen Henderson
- Myhanh Tran Hoskin
- Caitlin Marie Howerton
- Devon James Hunter
- Muhammad Naadir Jalill
- Joseph Eugene Kalinowski
- Dilnoor Kaur
- Shazia Khateeb
- Nitu Kumar
- Brett Adam LeMmon
- Harold Michael Lewellen
- David Bruce Mandell
- William Gerald Martin III
- Ryan Trevor McClellan
- Denise Ann Mitchell
- Jared Mark Nelson
- Gerald M Nowakowski
- Jason Mahoney Odell
- Barry Wilson Oliver
- Ali Oromchian
- Sunita Pathak
- Robert G Peelman
- Jessica Rose Pincus
- Jacob Quiroz
- Todd Alan Rouleau
- Seema Saini
- Shamitoj Sandhu
- Shawn Dean Stifle
- Andrew Michael Taylor
- Thomas Anthony Walker
- John Haden Werhan
Staff
- 35 employees
- 33 in advisory functions
- 33 state-registered reps
- 4 insurance agents
- 12 soliciting firms
- Owns 75% or more of Earned Wealth Advisors, LLC
Earned Wealth Operating Company, Inc.
Control person · since June 2024
- Owns 75% or more of Earned Wealth Operating Company, Inc.
Earned Wealth Intermediate Holdings, Inc.
Control person · since June 2024
- Owns 75% or more of Earned Wealth Intermediate Holdings, Inc.
Earned Wealth Holdings, L.P.
Control person · since June 2024
Earned Wealth Holdings GP, LLC
General partner · Control person · since June 2024
- Owns 75% or more of Earned Wealth Advisors, LLC
Earned Wealth Operating
Control person · since June 2024
- Owns 10% to 25% of Earned Wealth Advisors, LLC
John Clendening
Control person · since January 2025
Earned Wealth Advisors’ regulatory assets grew 2.8× from $1.1B (March 2021) to $3.11B (October 2026); clients rose from 993 to 1,875 and employees from 16 to 35. In 2025, The O'Dell Group (Ojm Group) ($803M in its last filing) joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| October 2026 | $3.11B | 1,875 | 35 | 25 |
| March 2025 | $1.92B | 1,326 | 24 | 10 |
| July 2024 | $1.42B | 1,082 | 13 | 1 |
| February 2023 | $1.25B | 1,046 | 13 | 1 |
| March 2022 | $1.32B | 1,030 | 13 | 1 |
| March 2021 | $1.1B | 993 | 16 | 1 |
Firms that joined
20251 joined
- The O'Dell Group (Ojm Group)Last filed AUM $803M
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Earned Wealth Advisors has 24 offices (18 private residences, listed without an address), with 7 listed addresses across 4 states.
California · 4 listed addresses
- 165 Lennon Lane, Suite 200, Walnut CreekHQ
- 11542 Oakcrest Avenue, Ojai
- 1904 Olympic Boulevard, Walnut Creek
- 600 Alfred Nobel Drive, Hercules
Florida · 1 listed address
- 500 East Broward Boulevard, Fort Lauderdale
New York · 1 listed address
- 30 Cooper Square, New York
Ohio · 1 listed address
- 8044 Montgomery Road, Cincinnati
Other business names
Earned Wealth Advisors has reported 3 other business names to the SEC.
- Earned Wealth
- Ojm Group
- Thomas Doll
Contact and registration details
- Legal name
- Earned Wealth Advisors, LLC
- Headquarters
- 165 Lennon Lane, Suite 200, Walnut Creek, CA 94598
- Website
- earned.com
- Phone
- 925-939-2500
- @earnedwealth
- SEC file
- 801-57727
- Structure
- Delaware LLC
- Fiscal year end
- December
Earned Wealth Advisors uses Charles Schwab ($2.25B, 76%) and Fidelity ($714M, 24%) as custodians for its separately managed accounts. Earned Wealth Advisors has custody of $403M in client assets for 712 clients.
- FidelityNational Financial Services LLC · Boston, MA · $714M24%
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $2.25B76%
At year end, Earned Wealth Advisors’ separately managed accounts were mostly in funds (53%) and stocks (37%). Its reported 13F holdings for the quarter ended 30 June 2026 total $1.55B across 312 positions; the largest are Dimensional ETF Trust (9.1%), Dimensional ETF Trust (6.8%) and iShares TR (5.1%).
What the accounts hold
- Stocks37%
- Exchange-traded equities36%
- Non-exchange-traded equities1%
- Funds53%
- Registered funds52%
- Pooled vehicles1%
- Bonds4%
- State and local bonds2%
- U.S. government and agency bonds1%
- Investment grade corporate bonds1%
- Cash6%
- Other2%
- Other alternative investment vehicles2%
Reported 13F holdings
- $1.55B
- Reported 13F value
- 312
- Positions
- 47.2%
- In the 10 largest
- +3.7%
- Value vs. prior quarter
- Dimensional ETF Trust · US Equi Mark ETF9.1%
- Dimensional ETF Trust · US Targeted Vlu6.8%
- iShares TR · Core S&P500 ETF5.1%
- SPDR Series Trust · ST Str P500etf4.8%
- Vanguard Intl Equity Index F · FTSE Emr Mkt ETF4.5%
- Dimensional ETF Trust · Internatnal Val4.1%
- Dimensional ETF Trust · US Cor Equ 2 ETF3.8%
- iShares TR · Core MSCI Eafe3.3%
- iShares TR · Core US Aggbd ET2.9%
- Dimensional ETF Trust · US Mktwide Value2.8%
Together, the ten largest are 47.2% of reported value.
How many clients does Earned Wealth Advisors have?
Earned Wealth Advisors has 1,875 clients and manages $3.11 billion for them, as of October 2026. They include 877 individual clients, 584 high-net-worth individuals, and 337 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 October 2026
What services does Earned Wealth Advisors offer?
Earned Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, publishing newsletters, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Earned Wealth Advisors charge?
Earned Wealth Advisors charges 0.15%–1.50% a year for its Wealth Management Services. Each asset band is charged at its own rate. The fee is billed in arrears, is negotiable and has a $2,400 annual minimum.
Source: EARNED WEALTH ADVISORS, LLC FORM ADV PART 2A, filed 30 March 2026
Which custodians does Earned Wealth Advisors use?
Earned Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $2.25B and National Financial Services LLC (Boston, MA), with $714M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 October 2026
How many financial advisors does Earned Wealth Advisors have?
Earned Wealth Advisors has 33 investment adviser representatives registered with state securities authorities, out of 35 employees, and 33 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 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
What does Earned Wealth Advisors invest in?
At the end of its last fiscal year, Earned Wealth Advisors’ separately managed accounts held 52% registered funds (mutual funds, ETFs, BDCs), 36% exchange-traded equities, 6% cash and equivalents, 2% state and local bonds, 2% other, 1% non-exchange-traded equities, 1% U.S. government and agency bonds, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar). The 2% other category is described as: Other Alternative Investment Vehicles.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Earned Wealth Advisors?
Earned Wealth Advisors’ direct owners are Earned Wealth Operating Company, Inc. (75% or more), Earned Wealth Operating (75% or more) and John Clendening (10% to 25%).
Source: Form ADV Part 1A, Schedules A and B, filed 1 October 2026
How does Earned Wealth Advisors get paid?
Earned Wealth Advisors 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
Is Earned Wealth Advisors registered with the SEC?
Yes, Earned Wealth Advisors has been registered with the SEC as an investment adviser since 10 July 2000. Its CRD number is 108052 and its SEC file number is 801-57727.
Source: Form ADV Part 1A, Item 1, filed 1 October 2026; IAPD firm record
How do I contact Earned Wealth Advisors?
Earned Wealth Advisors’ main office is at 165 Lennon Lane, Suite 200, Walnut Creek, CA 94598. Its phone number is 925-939-2500. Its website is earned.com.